RANIL SAMARASEKERA
London United Kingdom
Summary
Talented Credit Administration & Portfolio Manager bringing 15+ years of experience in credit documentation and relationship management skills. Action-oriented to communicate effectively with technology, executive, and business audiences.
Overview
27
27
years of professional experience
Work history
Portfolio Manager
Reliance Bank Limited
London, United Kingdom
2022.01 - Current
- Completed drafting, reviewing, and quality checking of all lending documentation, including finance amounts, terms, conditions, and authorized signatories.
- Verified the proper execution of security/support documents lodged for in-house documentation, ensuring genuine signatures supported by resolutions.
- Evaluate the creditworthiness of loan applicants by analysing their financial statements, credit reports, and other pertinent information.
- Assess the risks associated with extending credit to individuals and businesses and provide recommendations based on the analysis.
- Perform comprehensive financial statement spreading, and ratio analysis, to evaluate the borrower's ability to repay.
- Periodically verified and confirmed the physical custody of all required security/support documents for credit line renewals, ensuring safekeeping.
- Controlled and managed the solicitor and valuation instruction process, reviewing outcomes.
- Collaborated with the credit function to ensure compliance with regulations and policies, mitigating risks.
- Handled key processes such as loan disbursements, redemptions, tranche management, funds release, interest rate adjustments, and facility limits input and verification in the system.
- Provided reports on portfolio status, limit audits, exceptions, deferred documents, disclosures, key risk indicators, and credit control issues.
- Supported the business, Relationship Directors (RDs), and credit risk teams in the credit approval process, addressing documentation and limits queries, and resolving issues raised by panel solicitors/valuers.
- Monitored and followed up on post-disbursement tasks, including obtaining signed documents, managing charges, and ensuring covenant compliance.
- Management of Anti-Money Laundering (AML) alerts, cyclical, and annual reviews with in the portfolio.
Assistant Manager - Credit Admin
National Bank UAQ
Dubai
2008.01 - 2021.01
- Prepare the Bank's standard Facility Offer Letter/Term Loan agreements and security/support documentation, ensuring compliance with credit approvals and internal legal negotiations.
- Verify that all lending documentation adheres to company policies and procedures, including finance amounts, terms, and conditions, to ensure compliance.
- Manage documentation follow-up activities, including supervision of filing, insurance tracking, centralized documentation maintenance, and record-keeping.
- Ensure SME/Corporate account facilities are approved within the authorized limits and obtain accurate authorizations.
- Ensure approved credit lines comply with the Bank's overall and specific credit policies.
- Scrutinize all security and charge KYC documents based on the checklist to ensure compliance with approved terms, including pricing, limit expirations, and undertakings.
- Ensure sufficient insurance coverage on held securities as per approval terms for risk mitigation.
- Provide training to staff on best practices to enhance productivity.
- Maintain effective coordination with business units and the legal department to refer and obtain acceptable documentation.
- Evaluate staff performance, implement training and development programs, and uphold exceptional service levels.
Relationship Officer
Hatton National Bank Plc
Sri Lanka
1996.01 - 2008.01
- Conduct financial data analysis as part of the facility underwriting process.
- Evaluate credit proposals for both new and existing corporate customers within the domestic banking unit, ensuring the submission of high-quality proposals.
- Conduct comprehensive analysis of new credit requests, credit change requests, renewals, and annual relationship reviews.
- Provide recommendations for risk rating changes based on the analysis findings.
- Attend customer interviews, visits, and inspections to maintain positive relationships.
- Maintain portfolio control and quality by utilizing available triggers and adhering to risk management guidelines and policies.
- Develop and implement corporate policies and relevant documentation.
- Manage facility recovery and monitor watch-list cases to prevent classification as doubtful.
- Managed the performance of the team against key financial (risk-adjusted contribution) sales, service, and operational targets
- Met Service Level Agreements through strategic planning and workload management.
Education
Master of Science - Finance
University of Derby
United KingdomMaster of Business Administration -
Edinburgh Napier University
United KingdomBachelor of Arts - Business Management
University of Bolton
United KingdomPostgraduate Diploma Level 7 - Professional Marketing
The Chartered Institute of Marketing
United KingdomAdvanced Diploma - Management Accounting
The Chartered Institute of Management Accountants
United KingdomChartered Qualification - Human Resourse Management
The Chartered Institute of Personnel Management
Sri LankaSkills
- Self-motivated and a high degree of commitment
- Risk management and financial analysis
- Excellent communication and time management skills
- Dynamic leadership & decision-making skills
- Ability to work in a system-generated working environment
Timeline
Portfolio Manager
Reliance Bank Limited
2022.01 - Current
Assistant Manager - Credit Admin
National Bank UAQ
2008.01 - 2021.01
Relationship Officer
Hatton National Bank Plc
1996.01 - 2008.01
Master of Science - Finance
University of Derby
Master of Business Administration -
Edinburgh Napier University
Bachelor of Arts - Business Management
University of Bolton
Postgraduate Diploma Level 7 - Professional Marketing
The Chartered Institute of Marketing
Advanced Diploma - Management Accounting
The Chartered Institute of Management Accountants
Chartered Qualification - Human Resourse Management
The Chartered Institute of Personnel Management