KELUM GUNAWARDENA
Abu Dhabi
Summary
Dynamic banking professional with 25+ years of experience in leading teams, credit analysis, risk assessment, and financial advisory. Expertise in corporate lending, financial statement analysis, and compliance. Seeking to contribute to your bank's credit management team.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Insurance Advisor
Alfuttaim Group Orient Insurance PJSC
2023.09 - Current
- Handling customer relationships for life insurance and investment products.
- Managing KYC and AML compliance during document preparation for credit card applications.
- Supporting account opening processes and promoting financial products, such as personal loans.
Relationship Officer
HSBC Bank through Zetech
2022.06 - 2023.08
- Maintain relationships with corporate clients and individuals.
- Ensuring accurate documentation to facilitate efficient customer service.
- Handling customer inquiries and complaints with a commitment to resolving issues promptly.
- Managing KYC and AML compliance during document preparation for credit card applications.
- Supporting account opening processes and promoting financial products, such as personal loans.
Wealth Planner/Customer Relationship Manager
AIA Insurance Lanka Ltd
2019.06 - 2022.02
- Maintain relationships with corporate clients and individuals, providing insurance and financial solutions through bancassurance division.
- Collaborated with internal teams to develop strategies that would increase customer engagement levels.
Branch Manager/Credit Officer
Commercial Leasing and Finance PLC
Colombo
2014.08 - 2019.06
- Recommend and approve credits within delegated limits.
- Manage branch assets, liability portfolios, and debt collections.
- Provide leadership, coaching, and motivation to the teams.
- Successfully managed opening and boarding of corporate accounts, ensuring compliance with Know Your Customer (KYC) procedures and Anti-Money Laundering (AML) regulations
- Conducted thorough document reviews, verifying accuracy and completeness of all required information, resulting in a 98% error-free account opening rate.
- Collaborated with cross-functional teams, such as compliance and legal, to resolve any issues and streamline the account opening process.
- Maintained a high level of confidentiality and professionalism while handling sensitive customer information.
Branch Manager/Credit Officer (Assignment)
Nations Trust Bank Plc
2014.05 - 2014.07
- Provided leadership to the bank branch SME/ Corporate and operation teams.
Branch Assistant Manager / Credit Officer / Credit Analyst /Operation Officer (Overall)
Commercial Bank of Ceylon Plc
Colombo
1995.08 - 2013.04
- Credit Analyst conducted thorough credit assessments for corporate clients, analyzing financial statements, cash flow projections, and market trends.
- Evaluated creditworthiness and prepared detailed credit proposals, highlighting risk factors and mitigation strategies.
- Collaborated with relationship managers to structure credit facilities that met client needs, while adhering to bank policies and regulatory requirements.
- Managed a portfolio of corporate clients, monitoring credit exposures and conducting regular reviews to ensure portfolio quality and profitability.
- Developed strong relationships with internal stakeholders and external auditors to streamline credit approval processes and enhance risk management frameworks.
- Senior Credit Officer led a team of credit analysts in evaluating credit applications and managing credit risk within established limits.
- Conducted industry and economic research to assess market conditions and potential risks associated with loan portfolios.
- Prepared credit memorandums and presented recommendations to credit committees, ensuring compliance with regulatory standards and bank policies
- Implemented credit scoring models and frameworks to improve efficiency and accuracy in credit decision-making processes
- Provided training and mentorship to junior analysts, enhancing team performance and knowledge of credit analysis best practices
- Relationship Officer - Commercial Banking Cultivated relationships with corporate clients, providing tailored financial solutions including working capital financing, trade finance, and treasury products
- Conducted financial analysis and prepared credit proposals for new and existing clients, ensuring alignment with bank credit policies and regulatory guidelines
- Facilitated credit approvals and negotiations, ensuring timely and accurate execution of credit facilities
- Cultivated relationships with corporate clients, providing tailored financial solutions including working capital financing, trade finance, and treasury products
- Conducted financial analysis and prepared credit proposals for new and existing clients, ensuring alignment with bank credit policies and regulatory guidelines
- Facilitated credit approvals and negotiations, ensuring timely and accurate execution of credit facilities.
Education
Master of Business Administration (International business) -
University of West Scotland
Diploma in Banking and Finance -
Institute of Bankers of Sri Lanka
Skills
- Credit analysis, Evaluation and Administration Business Banking/ Commercial Banking Portfolio management and growth
- Asset quality monitoring Sales & Marketing
- Strong leadership, team management, and mentoring abilities
- Risk Assessment and Mitigation
- Cross-functional collaboration with various departments for seamless service delivery
- In-depth knowledge of KYC compliance, regulatory, and risk management
- Branch operations, administration, and audit procedures experience
- Customer relationship management
- Business development and acquisition of new client relationships
- Strategic planning and execution to achieve KPIs
Certification
Model Manager, 3rd Wave Consulting Institution, 10/01/14, 04/01/15, 96
Accomplishments
- Best Sales Performer 2019
- Best Branch Manager 2018
- Credit Quality Award 2015, 2016, 2017, 2018
Personal Information
- Title: Banking and Finance Professional
- Date of Birth: 10/03/73
- Nationality: Sri Lankan
- Visa Status: Employment Visa
Projects
Organized and implemented a series of Co-operate Social Responsibility programs as a member and the club President of Lions Club International Sri Lanka.
Timeline
Insurance Advisor
Alfuttaim Group Orient Insurance PJSC
2023.09 - Current
Relationship Officer
HSBC Bank through Zetech
2022.06 - 2023.08
Wealth Planner/Customer Relationship Manager
AIA Insurance Lanka Ltd
2019.06 - 2022.02
Branch Manager/Credit Officer
Commercial Leasing and Finance PLC
2014.08 - 2019.06
Branch Manager/Credit Officer (Assignment)
Nations Trust Bank Plc
2014.05 - 2014.07
Branch Assistant Manager / Credit Officer / Credit Analyst /Operation Officer (Overall)
Commercial Bank of Ceylon Plc
1995.08 - 2013.04
Master of Business Administration (International business) -
University of West Scotland
Diploma in Banking and Finance -
Institute of Bankers of Sri Lanka
Model Manager, 3rd Wave Consulting Institution, 10/01/14, 04/01/15, 96
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