Ruwan Prashad Kolonna Gamage

· Recommended approval or disapproval of commercial, real estate or credit loans.

· Reviewed and verified income, credit reports and employment histories for each borrower.

· Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.

· Checked appraisals, title information and insurance documents for each property.

· Obtained and interpreted financial statements to assist in credit limit reviews.

· Investigated and evaluated customers for creditworthiness and potential risk factors.

· Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.

Leasing

· Preparation of Lease Applications for approval by relevant authorities.

· Assisted prospective tenants in paperwork completion and other logistics, facilitating smooth move-in processes and effective communication.

· Monitored the insurance renewals of all the facilities and get them renewed on time.

Recoveries

· Performed skip tracing on all past due accounts to locate responsible individuals.

· Monitored accounts for compliance with established payment plans and flagged those in violation.

· Prepared reminders, warning letters and other special documents required for legal action and Statement of Accounts to be produced at courts.

· Participated in High Court in cases representing the bank.

· Participated in property auctions representing the bank.

Operations

· Assisted with daily cash and ATM balancing.

· Accepted cheques for collection, handled of Inward/Outward Clearing process and attended to all trial balances.

Opening of current, savings, fixed and short-term deposits and other work relevant to back office.