Rakshitha Jayasinghe Email & Phone Number

15-17 King Street, London Ec2V 8Ea

 Oversee a diverse portfolio of Bilateral Credit, Syndicated Loans, and Retail Loans, managing drawdowns, rollovers, interest servicing, and repayments, conducting timely follow-ups to ensure compliance. Ensure robust documentation control through meticulous file management, correspondence tracking, and register maintenance. Coordinate with agent banks, partner banks, and branches to ensure effective and accurate portfolio management. Prepare and submit regular reports to bank leadership and regulatory bodies. Respond promptly to internal and external audit requirements, facilitating efficient audit processes. Provide cross-functional support to ensure smooth departmental operations and continuity. Deliver timely feedback on identified issues and gaps, ensuring swift resolution and adherence to established timelines.

Sri Lanka

 Monitored and tracked credit approvals across a network of 229 branches, ensuring efficient processing and compliance with regulatory standards. Addressed inquiries related to security documents, credit facilities, delegated authorities, collateral, and interest rates, ensuring precision and timely responses. Oversaw the preparation and validation of security documents to maintain accuracy, completeness, and alignment with bank policies and audit requirements. Provided guidance on credit and risk profiles, corporate policies, and regulations in collaboration with cross-functional departments. Delivered training and support on credit and risk management to front and back-office teams. Identified and implemented process enhancements in credit operations to improve efficiency and customer experience. Assessed and mitigated financial risks, including credit, fraud, financial crime, and cyber risk. Supported data quality management within the team to maintain data integrity. Ensured control readiness by conducting periodic control testing to address operational risks effectively. Regularly evaluated and refined control processes to comply with regulatory requirements. Coordinated testing procedures, discussed results with Unit Heads, and prepared comprehensive summaries of findings.

Sri Lanka

 Led the credit department, managing and overseeing corporate, SME, and personal credit portfolios to ensure optimal performance. Utilized advanced internal tools to assess and analyze customers' financial positions, ensuring compliance with both internal policies and regulatory requirements. Built strong relationships with clients, gaining a comprehensive understanding of their business needs and providing tailored credit solutions and differentiated propositions. Managed the registration, scanning, and safekeeping of security documents within the credit system. Effectively tracked and reported on deferred, deficient, expiring, and expired documents to both Business and Risk stakeholders.

Sri Lanka

 Managed a diverse credit portfolio totaling Rs 18.0 billion (£45.0 million) across multiple industries. Conducted comprehensive creditworthiness assessments, preparing detailed appraisals for approval. Independently processed credit applications, including in-depth balance sheet analysis and financial ratio calculations. Oversaw post-credit activities, including monitoring, recoveries, and debt restructuring efforts. Led asset evaluations and collaborated with valuers and insurance agents to ensure accurate valuations. Coordinated with Relationship Managers, Risk, and Legal Counsel to secure standard, enforceable, and approved documentation, safeguarding bank interests. Provided support for regulatory reporting requirements and completed additional projects as assigned.

Colombo, Western Province, Sri Lanka

 Supported the management of a portfolio of corporate clients by building relationships with key contacts and delivering exceptional client experiences. Facilitated the onboarding process of new customers by guiding them through procedures and requirements ensuring a smooth and compliant transition. Ensured compliance with AML regulations and maintained effective KYC procedures. Prepared and maintained accurate credit files and records. Obtains the required documents for the credit facilities approved for the client in line with bank Credit Policy.