Arjun Wickremasinghe
Corona
Summary
I am dedicated professional that has been in the world of commercial finance and banking for over 10-years. My tenure lies within the equipment finance industry, I am experienced in credit analysis with additional skill sets of sales, relationship management, strategic planning, public speaking, and leadership development.
Overview
12
12
years of professional experience
Work History
Credit Analyst II, Equipment Finance
First Foundation Bank
04.2022 - Current
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Assessed credit risk and analyzed financial statements.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Made decisions and recommendations about extending lines of credit.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decision making.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Negotiated payment plans and loan terms with delinquent customers.
Account Manager, Equipment Finance
Blue Street Capital, LLC
03.2021 - 03.2022
- Addressed problems with accounting, billing, and service delivery to maintain and enhance client satisfaction.
- Built and strengthened long-lasting client relationships based on accurate price quotes and customer-centric terms.
- Educated clients on new products or services to increase customer engagement with brand.
- Facilitated client satisfaction and renewed customer relations to drive growth.
- Evaluated client needs and developed tailored solutions to increase positive customer ratings.
- Developed and implemented strategies to increase client retention.
- Negotiated prices for products and freights to reduce cost of acquisition by achieving lower price.
- Developed and maintained strong working relationships with professionals within assigned territory.
- Met with customers to discuss and ascertain needs, tailor solutions and close deals.
- Negotiated prices, terms of sales and service agreements.
Senior Credit Officer, Equipment Finance
Partners Capital Group, Inc.
08.2020 - 03.2021
- Improved credit risk management by implementing effective strategies and policies to minimize financial losses.
- Conducted comprehensive credit assessments for complex loan applications, ensuring sound decision-making and adherence to regulations.
- Maximized revenue growth by identifying opportunities to increase lending while maintaining strict risk controls.
- Enhanced portfolio quality by developing robust underwriting guidelines and monitoring systems for early detection of potential risks.
- Strengthened cross-functional collaboration by working closely with sales, operations, and compliance teams to achieve common goals.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Assisted in managing regulatory compliance efforts by staying abreast of evolving industry standards and implementing necessary policy updates.
- Developed strong relationships with key clients through regular meetings, providing expert advice on borrowing requirements and financial risk mitigation strategies.
Senior Credit Analyst, Equipment Finance
Crossroads Equipment Lease And Finance, LLC
01.2019 - 08.2020
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Enhanced portfolio performance through regular monitoring of credit exposure, industry trends, and market conditions.
- Conducted thorough financial statement analysis for accurate assessment of borrowers'' repayment capacity and financial health.
- Streamlined the loan approval process by effectively collaborating with sales, underwriting, and operations teams.
- Assisted in structuring complex transactions to meet both client needs and internal risk appetite guidelines.
- Contributed significantly to positive audit results by maintaining detailed documentation related to all aspects of the credit analysis process.
Credit Manager, Equipment Finance
Alliance Funding Group
08.2016 - 12.2018
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Designed and maintained financial models to identify and measure risks.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Managed and mentored a team of five credit analyst.
- Underwriting large loan transactions for high net worth companies using financial statements such as; CPA audits, reviews, compiled statements, and interim financial statements.
- Worked with management to evaluate credit strategies and develop improvements. Conducted investigations and in-depth evaluations of customers for creditworthiness and potential risk factors.
Credit Analyst
Pacific Premier Bancorp, Inc.
01.2015 - 08.2016
- Was part of the credit team that underwrote commercial real estate (CRE) loans which included single tenant and multi-family properties.
- Worked with relationship managers to acquire information needed to better assess risk for funding.
- Regularly kept in touch with clients to conduct annual loan reviews and better understand any financial discrepancies that occurred throughout the clients tenure. Generated financial statements and facilitated account closing procedures each month.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
Junior Credit Analyst, Equipment Finance
Celtic Commercial Finance
09.2011 - 12.2014
- Review credit applications and perform credit checks.
- Organized financial documentation for Chief Credit Officer.
- Data entry of financial ratios and parameters to Excel.
- Administrative duties to aid the credit department.
Education
MBA - Business Management
Concordia University Irvine
Irvine, CA05.2018
Bachelor of Arts - Business Operations
California State University - Fullerton
Fullerton, CA05.2014
Skills
- Financial Statements Expertise
- Analytics
- Proficient in MS Word, Excel, Power Point, Outlook
- Deal structuring and negotiations
- Public speaking
- Strategic planning
- Leadership development
- Vendor & Supplier Management
Timeline
Credit Analyst II, Equipment Finance
First Foundation Bank
04.2022 - Current
Account Manager, Equipment Finance
Blue Street Capital, LLC
03.2021 - 03.2022
Senior Credit Officer, Equipment Finance
Partners Capital Group, Inc.
08.2020 - 03.2021
Senior Credit Analyst, Equipment Finance
Crossroads Equipment Lease And Finance, LLC
01.2019 - 08.2020
Credit Manager, Equipment Finance
Alliance Funding Group
08.2016 - 12.2018
Credit Analyst
Pacific Premier Bancorp, Inc.
01.2015 - 08.2016
Junior Credit Analyst, Equipment Finance
Celtic Commercial Finance
09.2011 - 12.2014
MBA - Business Management
Concordia University Irvine
Bachelor of Arts - Business Operations
California State University - Fullerton
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