Hi, I’m
Dulip Wanigavitharana
223 Bowen St, Warragul,VIC
Summary
Dedicated professional with history of over 10 years of Banking and Finance experience. Well-qualified financial systems leader offering demonstrated skill and success in managing business client portfolios and financial processes, improving controls and strengthening systems for optimal performance. Proficient in all aspects of financials, including financial analysis, business lending. Gifted in building strong relationships and increasing the quality of service to customers at all levels while handling high-volume operations with consistency, accuracy and full compliance with regulatory requirements.
Overview
15
years of professional experience
1
Certificate
Work History
Westpac Banking Group
Commercial Banking Relationship Manager
07.2021 - 08.2022
Job overview
- Identified prospects, evaluated financial needs and developed new business opportunities through superior consultative and negotiation skills.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction by providing outstanding and consistent advice and services to customers
- Built strong relationships and networks across region with Senior Relationship Managers, Assistant Managers, Credit Managers and Commercial Servicing Team.
- Retained and strengthened current relationships and developed new business through various channels such as cross-sell and referrals.
- Managed and developed complex commercial accounts to meet bank's lending requirements and maximize profitability while minimizing risk.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
ANZ Bank
Commercial Banking Relationship Manager
01.2018 - 07.2021
Job overview
- Developed portfolio of medium to large business connections with average turnover between $5-100 million per annum, with particular focus on winning new to bank customers
- Developed and implemented performance improvement strategies and plans to promote continuous improvement like actively referring customers to appropriate segments to ensure needs of customer are consistently met
- Worked closely with network of specialists in areas such as financial markets, cash flow and transactional banking to maintain optimum levels of communication to effectively and efficiently complete project
- Provided outstanding and consistent advice and services to customers
- Prepared credit memorandums and organised end to end settlements
- Conducted customer maintenance and annual review
- Maintained well managed customer portfolios
- Identified Whole of Wallet opportunities including lending, deposits, transactional banking solutions, investments and protection
ANZ Bank
Assistant Relationship Manager
11.2015 - 01.2018
Job overview
- Efficiently managed portfolio consist of predominantly of Medium to Large in VIC Regional portfolio, including origination process for new transactions and ongoing monitoring and management of customer portfolio
- Built and maintained relationships established rapport with new and existing clients and with internal stakeholders while providing high level of expertise.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Ensured that all aspects of credit process, including required due diligence, are properly executed
- Wrote credit submissions including detailed risk analysis and financial forecasting
- Tested proposals against approved business and credit strategies, target market acceptance criteria and underwriting standards
ANZ Bank
Credit Analyst
01.2013 - 11.2015
Job overview
- Provided outstanding level of customer service to both Internal Stakeholders being Relationship Managers, and their existing clientele base
- Developed and implemented performance improvement strategies and plans to promote continuous improvement like ongoing training and development, assist in providing guidance on commercial credit process to new to role Relationship Manager, satisfactory audit ratings for both portfolios
- Built strong relationships and networks across region with Relationship Managers, Assistant Managers and District Credit ,Wholesale Credit Support and Commercial Servicing
- Checked accuracy of financial data extraction and analysis, risk grading
- Provided outstanding and consistent advice and services to customers
- Conducted Pricing of facilities and Preparation of credit memorandum, preparation and execution of Letter of Offer, preparation of security documents
- Organised and attended settlements, forwarded security documents for registration
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer business facilities by assessing company financials and initiating credit application reviews.
- Complied with internal controls and government regulations.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
ANZ – National Fulfillment
Home Loan Specialist
01.2012 - 01.2013
Job overview
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Maintained energy and enthusiasm in fast-paced environment.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Resolved problems, improved operations and provided exceptional service.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
Esanda Finance
Documentation Specialist
01.2009 - 01.2012
Job overview
- Maintained energy and enthusiasm in fast-paced environment
- Identified audit parameters to comply with quality standards.
- Demonstrated respect, friendliness and willingness to help wherever needed
- Proved successful working within tight deadlines and fast-paced atmosphere
- Developed and implemented performance improvement strategies and plans to promote continuous improvement
- Exceeded goals through effective task prioritization and great work ethic.
- Collaborated with quality assurance team to comply with regulatory requirements.
- Worked with internal staff to process documents and sent for settlement.
- Maintained organised and efficient document flows by using excellent planning and multitasking skills.
- Compared incoming data against quality, integrity and accuracy expectations, identified faults and affected timely remedies.
- Collaborated across departments and levels of management to gain consensus on procedural documentation.
- Reviewed and approved all client contracts prior to submission.
Soul 2 Mind
Owner
01.2023 - Current
Education
Deakin UniversityBurwood, VIC
Bachelor of Commerce from Accounting / Finance
2009
Chisholm InstituteDandenong, VIC
Advanced Diploma from Accounting
2006
Skills
- Customer portfolio management
- Solution development
- Operational Reporting
- Customer Relationship Management
- Regulatory Compliance
- Risk Management
- Excellent Communication
- Microsoft Excel & Word
- Financial analysis aptitude
- File Organization
Accomplishments
- Graduated from ANZ Business banking RM Academy
- Collaborated with team of Letter of Offer Quality Compliance remediation working Group - ANZ bank
- VIC/TAS representative- National Focus Group - ANZ 2019 (Focused on product/Process improvement and Work place Resilience Training)
Certification
- Certified Coach of Neuro - Linguistic Programming ( The Australian Board of Neuro- Linguistic Programming June 2019)
- Certified Practitioner of Neuro- Linguistic Programming( The Australian Board of Neuro – Linguistic Programming June 2019)
- RG146 - Tier 2
- Working With Children
Affiliations
- Gameday Statistics - Moe Lions Football club 2021,2022
- Team ManagerU13 Girls Football - Warranor Junior Football Club (Warragul) 2021
- Vice President Warranor Junior Football Club (Warragul) 2019
- Coordinator for strategic planning activities For Warranor Junior Football Club (Warragul)
Languages
Sinhala
Native or Bilingual
English
Native or Bilingual
Timeline
Owner
Soul 2 Mind
01.2023 - Current
Commercial Banking Relationship Manager
Westpac Banking Group
07.2021 - 08.2022
Commercial Banking Relationship Manager
ANZ Bank
01.2018 - 07.2021
Assistant Relationship Manager
ANZ Bank
11.2015 - 01.2018
Credit Analyst
ANZ Bank
01.2013 - 11.2015
Home Loan Specialist
ANZ – National Fulfillment
01.2012 - 01.2013
Documentation Specialist
Esanda Finance
01.2009 - 01.2012
Deakin University
Bachelor of Commerce from Accounting / Finance
Chisholm Institute
Advanced Diploma from Accounting
Referees
Will be provided upon request
Referees
Will be provided upon request
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