Ranitha Fernando Email & Phone Number

Corporate Banking Group

Corporate Head Office

Commercial Banking Center, Emaar Square, Down Town, Dubai.

• Managing / supporting a complex portfolio of AED 950Mn, mid and large sized well-diversified exposure across different segments such as trading, manufacturing and contracting, enabling maximum revenues to the banks’ deployed capital.• Meeting clients and evaluating / analyzing information required to appraise and structure client’s facility requirements. • Support in building strong pipeline and asset book comprising of reputed corporate clients in different sectors, while maintaining stringent credit and operational risk controls.• Cross selling of bank’s products and services including treasury, cash management, private banking etc. across portfolio with focus on maximizing bank’s wallet share.• Carrying-out financial / credit analysis & preparation of Credit Proposals.

Head Office, Port Deira, Dubai, Uae.

• Reporting to Senior Relationship Manager and was managing/supporting a diversified portfolio of approx. AED 2.5 Billion assets which comprised of clients from Construction, Real Estate, Trading, Tourism, High Net Worth Individuals etc.• Prepared initial Credit Proposals, Risk rating, offer letters and other security documentations.• Handled operational issues of the customers arising at the branch level and catering various banking services to the customers.• Maintained active liaison with treasury for forex and money market products and providing support to back office operations, CAD and internal and external auditors.• Prepared company, industry and economic outlook and analytical reports, with due recommendation for adjustment in asset portfolio. • Emphasized on increasing ancillary business from new and existing customers and ensure highest standards of service and customer satisfaction

Commercial Bank Branches In Sri-Lanka.

• Managing branch Credit Team, making sure all related work are being carried-out as per the laid down procedures and policies of the bank which includes, submission of credit proposals, reports, maintain of records & diaries, completion of securities, follow-ups, client visits, recoveries & collections, litigations, follow-ups with bank lawyers & valuers, visiting prospective clients, etc.• Convert prospective clients to active clients, assessing business potential and formulating strategy in arranging visits, follow ups and booking new business.• Making sure the preparation of client proposals reaching the regional office after careful evaluation of credit aspect of it and within the laid down procedures.• Evaluation and submission of Schematized Lending Proposals through SME/SMILE/Perennial Crop lending schemes and monitoring of such accounts from end to end, making sure the proper disbursements, utilization and repayments of such loans have been carried-out.• Have been able to meet set targets for the branch in all aspects, through the ethical banking practices, justifying the deployed capital of the investors/directors.• Monitoring/ proof reading credit proposals, offer letters, reports and mortgage documents to nullify the re-work and complications in the long-run.• Guiding/coaching/mentoring of staff towards achieving highest standards in operational and customer satisfaction standards, giving prominence to the “Customer is the King” concept while keeping the “Team Spirit” up, all the time.• Has been in the forefront of implementing new operational policies, abiding the bank vide corporate decisions, supporting branch and regional managers easing the burden.

Gce Advanced Level - 92, Science Stream, Passed In All Four Subjects

Certificate In English Communication, English Language And Literature, General, Passed.

Diploma In Computer Studies, Computer And Information Sciences And Support Services, Passed All Subjects