Sajini Vithanage
Summary
Experience Business Banking professional with extensive knowledge of commercial banking policies and procedures with a solid track record of successful commercial banking management, including experience managing a diversified portfolio of business clients and driving revenue growth. Bringing forth excellent problem-solving, relationship management and analytical skills, with the ability to interpret complex financial data and reports, and make informed decisions based on analysis.
Overview
12
12
years of professional experience
Work History
Assistant Relationship Manager
Westpac Group
Melbourne
05.2022 - 03.2024
- Structured and processed business lending requests of over 5M adhering to the bank credit policy, and serviceability assessments and performed risk grade reviews for customers
- Conducted annual reviews for the existing portfolios and identified potential risks of non-repayment
- Processed loan applications for residential lending requests of business customers
- Researched companies, and industries and conducted due diligence checks for the new to bank customers
- Tested covenants to identify early warning signs of the business and issued breached notices to the customers who failed to meet the covenants
- Monitored current property valuations for the existing portfolios as per the policy and organised new valuations when required
- Attended to customers personal and business banking queries and responded to them in a timely and professional manner
- Participated in the improvement of the relevant customer service/customer satisfaction outcomes for the portfolio
- Proactively collaborated with other departments and teams within the organisation, including credit, operations, and compliance to expedite the business lending process
- Managed maturing facilities closely and submitted extension requests when required
- Simplified and initiated new guarantees reconciliation and handover process to reduce the errors and increase the accuracy of the fees charged from the customers.
Quality Assurance Analyst
Westpac Group
Melbourne
05.2020 - 04.2022
- Monitored and identified discrepancies in the commercial lending contract against the credit policy to mitigate the risk of producing incorrect documentation to the customers
- Provided comprehensive training to the bankers and improved the number of first-time-right deals by 70%
- Build effective strong relationships with the bankers to improve the responsiveness for the remediation requests from 5 days to 3 days
- Mentored new quality assurance analysts within 6 months, on the covenant QA process and conducted follow-ups to check the progress of the daily check-ups offer help resolve their queries when required
- Recognised for everyday risk hero for Westpac CMG & PM Award and Westpac Gem Recognition - Performing award.
Accounts Payable Officer
Fulton Hogan
Noble Park, Melbourne
02.2020 - 03.2020
- Consolidated multiple account payables from the branches and processed payments for the suppliers
- Resolved supplier queries and processed payments
- Matching and batching invoices to reconcile accounts payable.
Shared Service Officer
Cambridge Boxhill Language Assessment Centre
Melbourne
04.2019 - 02.2020
- Liaised with the customers to resolved billing disputes of service providers and processed invoices
- Monitored and recorded monthly KPIs for management reviews
- Identified and removed disruption in conducting tests and improve the smooth test delivery process.
Accounts Officer
Dara Switchboards
Cranbourne West, Melbourne
08.2018 - 03.2019
- Assisted in the preparation of statutory quarterly and annual financial reports
- Analysed daily project income and followed up on accounts receivables with the customers.
Procurement Assistant
Salford City Council
Swinton, United Kingdom
07.2015 - 06.2016
- Build a strong relationship with stakeholders and frequently conducted supplier surveys and analysed supplier feedback to improve the council's procurement services
- Proposed a strategy to address the issues of the supplier market within Salford and provided recommendations to improve current contract management practices in the council.
Credit & Operations Executive - Micro Finance
Alliance Finance Company PLC
Colombo, Sri Lanka
05.2014 - 09.2014
- Managed profit planning recognised interest income and tracked the monthly performance of the business
- Investigated inaccuracies in the branch collection reports and proposed proactive solutions to resolve inaccuracies in reports and customer debt collections.
Process Improvement Executive
EMJAY International (Pvt) Ltd
Kandy, Sri Lanka
08.2012 - 09.2013
- Monitored and recorded ad hoc operational KPIs and financial performances to present to the management meetings
- Lead Kaizen; process improvement projects in production, quality and packing departments.
Education
Master of Professional Accounting -
Central Queensland University
Melbourne, Australia01.2018
Master of Science Procurement, Logistic and Supply Chain Management -
University of Salford
01.2016
High School Diploma -
Sri Lanka
CIMA, Sri Lanka02.2012
Bachelor of Arts Business Administration -
Asia Pacific Institute of Information Technology (APIIT)
01.2011
Skills
- Residential lending
- Cashflow lending
- Financial analysis
- Relationship management
- Credit Structuring
- Risk Assessment
- Effective communication
- Exceptional attention to detail and analytical mind - consistently encountered the requirements in the Banking Code of Practice to reduce the rework and increase the ability to gain the first time right approval
- Strong effective relationship management – frequently reached out to customers to find out how the bank can be more helpful to the success of their businesses
- Adaptability and agility- the adaptability and agility to changes in banking policies and procedures and to new work environments
- Collaboration - consistently offers help to other team members to meet tight deadlines
- Problem-solving - resolved the customer and internal queries promptly
- Portfolio Management
- Customer Service
- Time Management
References
Available on request.
Timeline
Assistant Relationship Manager
Westpac Group
05.2022 - 03.2024
Quality Assurance Analyst
Westpac Group
05.2020 - 04.2022
Accounts Payable Officer
Fulton Hogan
02.2020 - 03.2020
Shared Service Officer
Cambridge Boxhill Language Assessment Centre
04.2019 - 02.2020
Accounts Officer
Dara Switchboards
08.2018 - 03.2019
Procurement Assistant
Salford City Council
07.2015 - 06.2016
Credit & Operations Executive - Micro Finance
Alliance Finance Company PLC
05.2014 - 09.2014
Process Improvement Executive
EMJAY International (Pvt) Ltd
08.2012 - 09.2013
Master of Professional Accounting -
Central Queensland University
Master of Science Procurement, Logistic and Supply Chain Management -
University of Salford
High School Diploma -
Sri Lanka
Bachelor of Arts Business Administration -
Asia Pacific Institute of Information Technology (APIIT)