MALINDA KULARATNA
Perth,WA
Summary
Experienced Banking Professional with 21 years in Wealth Management, Retail Banking, and Lending. Expertise in growing high-value portfolios and delivering tailored financial solutions for high-net-worth clients. Proficient in investment strategy advisory, multi-property lending, and relationship management, enhancing long-term wealth outcomes.
Overview
21
21
years of professional experience
Work History
Lending Manger-Home Finance and Portfolio
Westpac Banking Corporation
Perth, Western Australia
09.2025 - Current
- Drove strategic growth of high-value residential and investment lending portfolio, resulting in increased asset growth and profitability.
- Advised high-net-worth and sophisticated investor clients on complex financing structures and multi-property investment strategies.
- Originated new business through strategic partnerships and expanded referral networks, contributing to revenue growth.
- Provided senior oversight of portfolio risk and credit quality, ensuring compliance with regulatory frameworks.
- Reviewed tax returns and financial statements to finish the underwriting process.
- Analyzed market trends to shape lending strategies and product offerings, aligning with client needs.
- Reviewed and approved loan documentation for accuracy and completeness.
Snr. Relationship Manager - Priority Banking
Commercial Bank International
Dubai, UAE
03.2020 - 06.2025
- Managed a portfolio of over 285 clients with AED 920M across Abu Dhabi and Al-Ain Regions-United Arab Emirates.
- Achieved revenue goals, sales and portfolio growth targets across a range of products and services.
- Managed Funds and advised High Net-worth Individual for all types of investment products.
- Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
- Cultivated client loyalty through high-quality service and proactive relationship management.
- Expanded portfolio by identifying and developing new business opportunities within existing client relationships.
- Advised clients on investment opportunities and risks based on thorough market trend analysis.
- Trained and coached less experienced team members (Personal bankers, Relationship managers) in procedures, compliance standards and performance strategies.
Branch Manager
Commercial Bank International
Dubai, United Arab Emirates
03.2019 - 03.2020
- Managed a branch of 16 employees-Cat ‘A' Main Branch.
- Identified new business opportunities and developed existing relationships to enhance branch revenue and meet asset and liability targets.
- Lead, coach, develop and motivate manpower resources reporting, towards the achievement of bank goal.
- Exercises administrative authority over branch employees (transfers, assessment of performance, vacations, training and application of other employee regulations) in coordination with the Head of Branches Distribution and Human Resources Division.
- Processed applications for personal loans, credit cards, time deposits, account openings, and service fulfillment requests promptly.
- Monitor the maintenance of branch premises and highlight security concerns to relevant authorities.
Manager-Sales and Service / Operation Manager
Commercial Bank International
Dubai, United Arab Emirates
05.2013 - 03.2019
- Managed a branch of 10 employees.
- Achieved targets for building assets, liabilities cards, and other branch products while guiding and supporting team members in sales and operations.
- Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
- Monitor daily operations to ensure a free flow process, and also supervise the execution of daily tasks.
- Prepared branch and staff for audit trails, resulting in a low-risk rating.
- Oversee the processing of centralized loans and other banking activities to ensure due process accuracy and accountability are followed.
- Delivered detailed monthly departmental reports, sales plans, and updates to senior management.
Sales and Service Officer/ Relationship Officer
Mashreq Bank
Abu Dhabi, United Arab Emirates
02.2008 - 02.2013
- Facilitated account openings, credit cards, and other banking solutions for clients.
- Ensured positive customer experiences by resolving complaints and reducing attrition.
- Managed client communication, providing support and troubleshooting for banking products.
- Led sales team during line manager's absence to ensure operational continuity.
Team Leader
Standard Charted Bank
Colombo, Sri Lanka
02.2005 - 06.2007
- Led sales team of 15, focusing on individual performance to ensure achievement of monthly targets.
- Developed & implemented Credit Card Program in Sri Lanka for Sri Lankan Medical students which expanded client base of minimum of 500 profitable clients' link with the bank in one year's time and till date program is on.
- Delegated daily tasks and trained team members to enhance skills and support goal attainment.
Education
Candidate/Membership -
Chartered Institute For Securities & Investment (CISI)
United Kingdom07-2026
Financial Planning RG146
Kaplan Financial Education
Perth, WA12-2025
Compliance & Risk Management for Managers -
Emirates Institute for Banking & Financial Studies
Abu Dhabi, United Arab Emirates06.2025
Master of Business Administration - Banking & Finance
Edinburgh Napier University
Scotland, ScotlandBachelor of Business Administration - Business Administration
Jaipur National University
Jaipur, India, IndiaSkills
- HNW client advisory
- Decision making
- Risk mitigation
- Regulatory Compliance and Financial
- Portfolio enhancement
- Cash Flow & Yield Optimization for Investors
- Risk Mitigation and Key Account Development
- Strategic Repricing & Portfolio Enhancement
- Property portfolio structuring
- Asset growth
- Process Improvement and Overcoming
- Market research
- Financial analysis
- Underwriting expertise
- Net operating income formulation
References
References Upon request
Languages
- English, Full Professional
- Sinhala, Native
- Hindi, Limited
- Tamil, Limited
- Arabic, Limited
Activities
Member of Abu Dhabi Police-United Arab Emirates on segment of 'We all are Police'.
Timeline
Lending Manger-Home Finance and Portfolio
Westpac Banking Corporation
09.2025 - Current
Snr. Relationship Manager - Priority Banking
Commercial Bank International
03.2020 - 06.2025
Branch Manager
Commercial Bank International
03.2019 - 03.2020
Manager-Sales and Service / Operation Manager
Commercial Bank International
05.2013 - 03.2019
Sales and Service Officer/ Relationship Officer
Mashreq Bank
02.2008 - 02.2013
Team Leader
Standard Charted Bank
02.2005 - 06.2007
Candidate/Membership -
Chartered Institute For Securities & Investment (CISI)
Financial Planning RG146
Kaplan Financial Education
Compliance & Risk Management for Managers -
Emirates Institute for Banking & Financial Studies
Master of Business Administration - Banking & Finance
Edinburgh Napier University
Bachelor of Business Administration - Business Administration
Jaipur National University