Thilina Panaluwa

Performed duties in managing Contracting companies in collaboration with Relationship Managers

• Skilled in managing Guarantees, working capital financing, financial analysis, within the assigned portfolio.
  - Provide support to Relationship Managers in managing client portfolios and fostering strong customer relationships.
  - Act as a reliable backup for Relationship Managers during their absence, ensuring continuity of high-quality service to clients.
  - Handle client queries, execute financial transactions, and adhere to service quality standards.
  - Prepare credit-related memos, obtain approvals for changes in terms, credit queries, drawdown requests, and other credit-related matters.
  - Proactively identify and address early warning signs of potential issues.
  - Coordinate with the credit department to provide necessary information and clarifications to customers and Relationship Managers.
  - Ensure compliance with internal and regulatory audit requirements.
  - Identify and escalate early warning signals in the portfolio, supporting the review of risk reports.
  - Utilize available data to educate clients on access options and identify cross-selling opportunities.
  - Act as the principal point of contact in the absence of Relationship Managers.
  - Support account opening and related requirements for existing and new clients.
  - Assist in preparing facility letters, coordinating documentation, and facilitating the drawdown of facilities.

• Involved in performing the customer onboarding process in terms of credit cards and Personal loan facilities
• Consistent performer in terms of achieving targets over 100% YTD Performed KYC initial checks, AML guidelines, Anti terrorist financing policy and sanctions regulations to be aligned with the bank compliance
• Performed credit score checks and internal score checks
• Initiated complete client profiling session with the client to avoid possible banking malpractices to eradiate oversights
• Performed a client Due Diligence check prior to submit the application whilst sighting the original supporting documents and attached copies of the same
• Maintained an updated knowledge in terms of the Bank's credit policy whilst practicing and adhering the same.

• Managed a Team of 12 members whilst maintaining a YTD achievement of 130%
• Responsible in handling Life Insurance plans and Investment Plans
• Monitored staff performances and extended necessary support improve their skills and develop the business
• Conducted one to one appraisal sessions in order to evaluate individual performances
• Provided customer service to high end clients in order to maintain the relationship with them
• Prepared business forecast reports and execute accordingly
• Prepared MIS reports and submit to higher management
• Performed Customer Service duties in handling inquiries and navigating clients to the accurate section.

• Performed duties in pharmaceutical industry by promoting dermatological products to Doctors and Consultants
• Achieved over 120% YTD during each year
• Supplied stocks to the respective distributions channels to maintain the distribution flow
• Approved invoices and released payments to distribution channels
• Prepared business report to management
• Analyzed monthly trends and request stocks accordingly.

• Managed the Operation Team of 8 members whilst reporting to the Head of Operations
• Organized Company stalls for exhibitions in order to build the brand awareness
• Handled the operations task of the students registrations
• Connected with the marketing division and worked with them in terms of developing the required content to develop the business
• Performed Customer Service duties.

• Handled Both Inward and Outward Clearing process
• Processed transaction to customer accounts, performed cheque verification, Balancing accounts and handled queries of clients
• Recognized as the Best Stats holder in cheque clearing and payment processing consistently
• Performed SWIFT payments
• Prepared customer letters of discrepant cheques
• Handled Inward cheque return process
• Performed duties in the capacity of a branch customer service representative.