Sarani Mihikala
Kingswood,NSW
Summary
Dynamic banking professional with 13 years of experience in analyzing retail, commercial, and corporate sector lending proposals. Skilled in financial analysis, accounts reconciliation, and risk assessment. Proven ability to guide customers on optimal financial planning and debt management strategies. Committed to upholding the highest standards of integrity and security while facilitating responsible and sustainable banking operations.
Overview
13
13
years of professional experience
Work History
Customer Service Officer
Skippy Prams
06.2024 - Current
- Building and maintaining positive relationships with customers and providing personalized service to enhance overall customer experience.
- Enhanced customer satisfaction by efficiently addressing and resolving their inquiries and concerns.
- Managing approximately 30 incoming calls and emails per day from customers.
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.
- Maintained a high level of product knowledge to effectively assist customers with accurate information and recommendations.
Relationship Officer
Sampath Bank PLC
03.2024 - 05.2024
- Building and maintaining exceptional customer relationship with corporate clients to understand their financial needs and goals.
- Providing financial guidance to corporate clients on credit-related matters, including repayment schedules, financial planning, and debt management.
- Post credit monitoring of existing credit facilities to ensure timely repayments and compliance with terms and conditions.
- Handling customer inquiries, concerns, and issues related to credit facilities promptly and effectively
- Managed a portfolio of high-value clients, ensuring their financial needs increasing mid-year profits by 10%
Trade Finance Officer
Sampath Bank PLC
10.2023 - 03.2024
- Supporting international trade services, ensuring efficient processing of trade finance transactions while delivering high-quality service.
- Review, process, and administer letters of credit and handling trade finance instruments & documentary collections.
- Manage and maintain accurate documentation by ensuring all transactions comply with international trade regulations UCP 600 & URC 522, anti-money laundering (AML) regulations, and KYC requirements.
- Collaborate with internal departments such as operations, treasury, and legal to facilitate seamless execution of trade transactions and resolve operational issues.
- Developed strong relationships with key clients, leading to increased trade income by 5%.
Credit Analyst
Sampath Bank PLC
12.2015 - 10.2023
- Assessing credit risk, making informed lending decisions, and ensuring the overall quality of the credit portfolio.
- Evaluate the creditworthiness of clients applying for credit facilities by conducting detailed financial analysis, including ratio analysis, cash flow analysis, and trend analysis, to determine the financial health and stability of applicants.
- Recommend risk mitigation strategies, such as loan structuring, collateral requirements, and pricing adjustments, to manage credit risk effectively.
- Prepare comprehensive credit reports summarizing the credit analysis, including key findings, recommendations, and risk factors identified.
- Communicate credit decisions, recommendations, and risk assessments effectively to stakeholders, including presenting findings to credit committees or corporate management for approval.
Retail Banking Officer
Sampath Bank PLC
05.2011 - 12.2015
- Delivering customer service, promoting banking products and services, and ensuring efficient operation of retail banking functions within branch.
- Provide customer service to retail banking clients, addressing inquiries, resolving issues, and assisting with account transactions.
- Open new accounts, process account maintenance requests and perform various financial transactions such as deposits, withdrawals, and, transfers.
- Cross-selling or upselling banking products and services to customers based on their financial needs and goals.
- Ensure compliance with all banking regulations, policies, and procedures, including Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.
- Increased cross-selling opportunities by proactively identifying customer needs during interactions and achieving year-end other income budget.
Education
Diploma in Applied Banking & Finance - Banking And Financial Support Services
The Institute of Bankers of Sri Lanka
Sri Lanka05.2022
Certificate in Banking & Finance - Banking And Financial Support Services
The Institute of Bankers of Sri Lanka
Sri Lanka05.2016
Master of Science - Management Information Systems
University of Kelaniya Sri Lanka
Sri Lanka05.2015
Diploma in Management Accounting - Management Accounting
CIMA
United Kingdom05.2010
Bachelor of Science(Special) in Statistics & Computer Science - Statistics
University of Kelaniya Sri Lanka
Sri Lanka05.2009
Skills
- Analytical skills
- Strong attention to detail
- Team player
- Quick learner
- Strong communication skills
- Multi-tasking
- Customer relationship builder
- Proficient in Microsoft Office
- Data Entry
- Customer Focus
- Complaint Handling
- Customer Support
References
Available upon request
Timeline
Customer Service Officer
Skippy Prams
06.2024 - Current
Relationship Officer
Sampath Bank PLC
03.2024 - 05.2024
Trade Finance Officer
Sampath Bank PLC
10.2023 - 03.2024
Credit Analyst
Sampath Bank PLC
12.2015 - 10.2023
Retail Banking Officer
Sampath Bank PLC
05.2011 - 12.2015
Diploma in Applied Banking & Finance - Banking And Financial Support Services
The Institute of Bankers of Sri Lanka
Certificate in Banking & Finance - Banking And Financial Support Services
The Institute of Bankers of Sri Lanka
Master of Science - Management Information Systems
University of Kelaniya Sri Lanka
Diploma in Management Accounting - Management Accounting
CIMA
Bachelor of Science(Special) in Statistics & Computer Science - Statistics
University of Kelaniya Sri Lanka
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