Summary
Overview
Work History
Education
Skills
Languages
Timeline
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SENTHURAN NADESAN

Surrey,BC

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.

Overview

14
14
years of professional experience

Work History

Store Leader (Supervisor)

Shell Canada
06.2023 - Current
  • Managed financial transactions, including sales, deposits, and expenses, monitored cash flow and maintained accurate accounting records.
  • Develop and implement strategies to achieve sales targets.
  • Manage store work schedule on a bi-weekly basis and set sales targets and goals for store associates.
  • Ensure exceptional customer service is consistently provided and handle customer inquiries, concerns, and complaints.
  • Monitor and control inventory levels to meet customer demand and place orders, receive merchandise, and manage stock levels.

Manager – Retail Lending

Singer Finance (Lanka) PLC
04.2021 - 04.2023
  • Developed and improved the credit policies, procedures, and underwriting guidelines to enhance the efficiency and effectiveness of the credit analysis process.
  • Stayed updated on industry trends, market conditions, and regulatory changes affecting credit risk, incorporating this knowledge into credit decision-making processes.
  • Contributed to the achievement of team targets and objectives, ensuring compliance with internal external service level agreements.
  • Exercised good judgment and decision-making in escalating concerns and resolving issues.
  • Assigned tasks to associates to fit skill levels and maximize team performance.
  • Enhanced team member performance through the use of strategic and tactical approaches, motivational coaching, and training.
  • Communicated company directives and programs to associates and ensured all follow-up items were completed accurately and timely.
  • Developed and implemented appropriate plans to resolve unfavorable trends and enhance sales.
  • Proactively participated in meetings and helped create new practices, helped management to identify workflow issues, and find solutions. Pitched ideas on how to improve performance (CI – Continuous Improvement) and efficiency.

Asst. Manager – Retail Credit

Union Bank of Colombo PLC
10.2017 - 04.2021
  • Collaborated with cross-functional teams and gather necessary information and ensure compliance with regulatory guidelines.
  • Utilized financial modeling techniques to forecast cash flows, perform scenario analysis, and evaluate the potential impact of credit decisions on the organization's lending portfolio
  • Implemented organization systems for credit audits, Spot Checks, and internal controls to improve efficiency and productivity.
  • Delegated tasks to team members based on skill level and to achieve organizational goals.
  • Provided leadership, insight, and mentoring to newly hired employees to supply knowledge of various company programs.

Senior Banking Assistant – Personal Banking

Nations Trust Bank PLC | Pan Asia Banking Corporation PLC
10.2014 - 09.2017
  • Experienced in Wholesale/Retail & SME credit control for countrywide Branches. Coordinated to successfully manage lending portfolios and conducted regional branch audits on Lending operations.
  • Experienced in underwriting credit applications, including evaluating borrower information, financial ratios, collateral, and other relevant factors to make informed credit decisions.
  • Demonstrating proficiency in analyzing financial statements, cash flows, and credit histories to assess the creditworthiness of businesses and individuals.
  • Ability to evaluate and mitigate credit risks by assessing factors such as industry trends, market conditions, and borrower financial stability.
  • Proficiency in building and utilizing financial models to forecast cash flows, perform scenario analysis, and assess the impact of potential credit decisions.
  • Strong understanding of various industries and their specific risk factors, allowing you to assess the creditworthiness of businesses within those sectors.
  • Effective written and verbal communication skills to prepare comprehensive credit reports, present findings to stakeholders, and negotiate credit terms with clients.

Junior Executive – Teller

LB Finance PLC
07.2010 - 09.2014
  • Worked mainly in cash/credit operations. Processed customer transactions, including deposits, withdrawals, and bill payments, ensuring accuracy and compliance.

Education

MBA - Business Administration

University of Wolverhampton
Wolverhampton, UK
11.2019

Diploma: Banking -

Institute of Bankers
Colombo, LK
01.2016

GED -

St.John’s College
Jaffna, LK
01.2009

Skills

  • Oral and written communications
  • Financial statements expertise
  • Credit Scoring & decisions
  • Debt structuring
  • Microsoft Excel proficiency
  • Risk mitigation strategies
  • Market Trend Analysis
  • Cash Flow analysis
  • Credit policy development
  • Loan Documentation
  • Proficient in Infosys Finacle/CRM
  • Relationship Management

Languages

English
Full Professional
Tamil
Native or Bilingual

Timeline

Store Leader (Supervisor)

Shell Canada
06.2023 - Current

Manager – Retail Lending

Singer Finance (Lanka) PLC
04.2021 - 04.2023

Asst. Manager – Retail Credit

Union Bank of Colombo PLC
10.2017 - 04.2021

Senior Banking Assistant – Personal Banking

Nations Trust Bank PLC | Pan Asia Banking Corporation PLC
10.2014 - 09.2017

Junior Executive – Teller

LB Finance PLC
07.2010 - 09.2014

MBA - Business Administration

University of Wolverhampton

Diploma: Banking -

Institute of Bankers

GED -

St.John’s College

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SENTHURAN NADESAN