Arunika Herath

ARUNIKA HERATH Kandy, Sri Lanka LinkedIn: www.linkedin.com/in/arunikaherath PROFESSIONAL SUMMARY Results-driven Finance and Banking Professional with over 14 years of experience in credit analysis, financial modelling, risk management, and team leadership within corporate and wholesale banking. Proven expertise in credit appraisal, financial reporting, financial modelling & analysis, covenant monitoring, and client relationship management. Adept at leading cross-functional teams to streamline processes, enhance risk frameworks, and drive business growth. Holds prestigious qualifications including ACMA, CGMA, MBA, and a Master's in Financial Economics. WORK EXPERIENCE Delivery Manager – Lending Services Acuity Analytics UK Limited. • • • • Managed a team of analysts supporting the wholesale banking division of a leading multinational bank (US region). Performed underwriting for credit appraisals, determined final risk ratings, and prepared comprehensive credit notes for approval. Conducted in-depth covenant compliance analysis and built complex financial models to assess corporate client viability and risk. Collaborated with US-based Relationship Managers to optimize and streamline end-to-end credit processing and risk management procedure. Assistant Manager (Credit Analyst) Union Bank of Colombo PLC, Sri Lanka • • • • • • • Jul 2010 – Feb 2011 Managed comprehensive accounting functions including cost scheduling for raw/packing materials, ledger maintenance, and preparation of monthly financial reports and VAT schedules. Developed Management Information System (MIS) reports to support business decision-making. Liaised with suppliers and shipping lines, managing key operational relationships Trainee Accounts Executive Tekniqe Holdings (Pvt) Ltd, Sri Lanka • • Apr 2011 – Jan 2017 Managed and nurtured a portfolio of corporate customer relationships, supporting senior management in achieving business growth targets. Handled the entire project lending lifecycle, including initial appraisal, financial analysis, and postdisbursement monitoring. Served as Acting Branch Manager for Elpitiya and Ambalangoda branches, overseeing full branch operations, administration, and team supervision. Accounts and Administration Officer Luckyland Biscuit Manufacturers, Sri Lanka • Jan 2017 - Apr 2022 Prepared detailed credit and project appraisal reports within the bank's Kalypto system, ensuring compliance with internal credit policies and regulatory standards. Evaluated and recommended credit facilities for corporate clients, focusing on maintaining portfolio quality and mitigating risks. Coordinated with branch managers, credit officers, and support departments (Credit Operations, Legal) to facilitate final approval and disbursement processes. Assistant Relationship Manager DFCC Bank PLC, Sri Lanka • Apr 2022 – Mar 2025 Apr 2009 – Mar 2011 Managed receipts, payments, reconciliations, and ledger maintenance using QuickBooks. Prepared monthly financial statements and liaised with suppliers and clients. Accountancy Management Trainee Whitehills Associates Lanka (Pvt) Ltd, Sri Lanka • Sep 2008 – Jan 2009 Handled electronic bookkeeping and final accounts preparation using QuickBooks and Sage Accounts for UK-based clients. CORE COMPETENCIES Credit & Risk Analysis Financial Analysis & Modeling Banking & Relationship Management Credit Appraisal & Underwriting Financial Modeling & Forecasting Corporate & Wholesale Banking Project Finance Financial Statement Analysis Client Relationship Management (CRM) Credit Analysis Management Information Systems (MIS) Quick Books, Xero, Zoho Risk Rating Data Analysis (Power BI) Financial Budgeting Credit Management Financial Reporting Loan Disbursement & Monitoring EDUCATION • • • • • • • • • Master's in Financial Economics | University of Colombo, Sri Lanka | 2025 Master of Business Administration (MBA) | University of West London, United Kingdom | 2015 Associate Chartered Management Accountant (ACMA) & Chartered Global Management Accountant (CGMA) | CIMA, United Kingdom | 2014 Bachelor of Business Management (B.B.Mgt.) Honours in Accountancy, Second Class Upper | University of Kelaniya, Sri Lanka | 2010 Diploma in Business English (Honours) Pass | American College of Higher Education | 2013 Diploma in Banking and Finance (Part Qualified) | Institute of Bankers Sri Lanka | 2018 Diploma in Computerized Accounting (Quick Books, MYOB, AccPac) | Flex Institute | 2010 Certificate in Data Analysis (Power BI) | Institute of Applied Statistics, Sri Lanka | 2025 Certificate Course in Computerized Accounting (Quick Books, Xero, Zoho) | Skilltech Academy, Sri Lanka | 2026 TRAINING AND CERTIFICATIONS • • • • Effective Credit Appraisals – CRISIL, Chennai, India Banking Regulations – Centre for Banking Studies, Central Bank of Sri Lanka Commercial Banking Operations & Project Appraisal – DFCC Bank PLC, Sri Lanka Advanced Excel for Professionals – Lanka BPO Academy, Sri Lanka REFERENCES Mr. Channa Hewage Country Manager Pidilite Lanka (Private) Ltd 74,1/1, Orient Building, Dawson Street,Colombo 02, Sri Lanka. -- Mr. Chanakya Dissanayake Managing Director Head of Delivery Strategic Initiatives, Acuity Knowledge Partners, Level 32, West Tower, World Trade Centre, Colombo 01, Sri Lanka