saumya kuruppu

* Managed a portfolio of over 20 corporate relationships, which included 3 of Sri Lanka’s most prominent conglomerates. * Detailed due diligence on all accounts were carried out and ensured formulation of credit proposals that accurately reflected the risk being assumed on structured working capital lines, term loans etc., ensuring compliance with internal/external audit reports. * Effectively negotiated with clients to ensure debt instruments which include working capital facilities, long and short term debt, etc. are properly priced and appropriately structured, maximize profitability, enhance utilization, prevent misuse of funds and effective account monitoring. * Ensured strict monitoring and recovery for existing and unsatisfactory accounts for prompt identification of early warning signs, implementation of timely restructuring, downgrades and formulation of exit strategies. * Reviewed cash flow projections, net present value calculations and clients risk evaluations. * Prepared customer profitability reports, portfolio analysis etc.

* Performed credit analysis and documentation for corporate and individual clients. * Prepared various Management Information and Reports. * Monitored General Manger’s portfolio of customers. * Corresponded and coordinated marketing activities and organize official functions / meetings of General Manager. * Daily follow up of cheque discounting and factoring facilities

* Coordinated with branches regarding credit approvals, payments, legal clearance and related problems. * Ensured fast processing time on credit approvals. * Prepared branch financial budgets on daily and monthly basis to identify and analyze relevant branch fund requirements and to support operational plan. * Communicated with customers pertaining to cheque discounting and factoring. * Followed up with the legal institution relating to mortgage facilities.

* Managed a portfolio of over 20 corporate and SME (Small and Medium Entrepreneurs) relationships. * Detailed due diligence on all accounts were carried out and ensured formulation of credit proposals that accurately reflected the risk being assumed on structured working capital lines, term loans etc., ensuring compliance with internal/external audit reports. * Effectively negotiated with clients to ensure debt instruments which include working capital facilities, long and short term debt, etc. are properly priced and appropriately structured, maximize profitability, enhance utilization, prevent misuse of funds and effective account monitoring. * Ensured strict monitoring and recovery for existing and unsatisfactory accounts for prompt identification of early warning signs, implementation of timely restructuring, downgrades and formulation of exit strategies. * Reviewed cash flow projections, net present value calculations and clients risk evaluations. * Quarterly branch visits

* Contacted clients to inform the arrears (1& 2 months) in Personal Loans. * Sending PLOD (Pre Letter of Demand) and LOD (Letter of Demand) to the customer’s monthly basis. * Prepare memo of concession to customers who can’t pay the arrears. * Facilitate customers by giving all the information regarding loan settlements.

Completion of Charted Institution of Management Accountants (CIMA, UK) currently accepted by CGA as eligible for CPA certification.