Summary
Overview
Work History
Education
Skills
Training
Publications And Awards
Accomplishment Highlights
Timeline
Generic

Melissa McAllister

Belmont

Summary

Dynamic accounting and banking professional with over 18 years of experience, including 13 years in high-pressure environments. Renowned for precision, exceptional attention to detail, and a strong work ethic, complemented by creativity and a drive for success. Proven leadership capabilities and adept at navigating complex challenges with sound judgment, supported by qualifications in Development Studies and Accounting. Specialized expertise in Microfinance and Relationship Management, along with proficiency in diverse financial software; open to travel opportunities.

Overview

20
20
years of professional experience

Work History

Business Banking Manager

JMMB Bank Trinidad & Tobago Limited
Chaguanas, Trinidad And Tobago
07.2024 - Current
  • Manage a portfolio of clients by providing advice on financial products, services and solutions.
  • Conducted annually reviews and evaluations of client financial position.
  • Increase business portfolio and grow bottom-line profitability.
  • Identified opportunities to expand existing client relationships through additional services or products.
  • Performed periodic reviews of existing accounts to ensure adherence to contract terms.
  • Reviewed loan applications senior approval by Credit Risk Management

Credit Officer

JMMB Bank Trinidad & Tobago Limited
01.2023 - 07.2024
  • Credit writing & Annual Reviews for the Business Banking Unit
  • Special AML Project (1 year) - Managed remediation of High Risk clients of the bank by ensuring enhance due diligence was conducted

Corporate (Mgt) Trainee

Scotiabank Trinidad & Tobago Limited
03.2018 - 01.2022
  • Enhanced Due Diligence Unit, Business Support Centre and Central Financial Investigation Unit
  • - Intake & Triage analyst - Transaction Monitoring Alerts investigation
  • Research and develop revenue recognition for the Business Banking Segment
  • Key role in Digital Transition of Business Banking Customers
  • Lead and Managed Remediation of High Risk customer files within the Business Banking segment
  • Credit writing & Loan Processing - Corporate & Commercial - Maintenance of clients' portfolio
  • Completed International Corporate and Commercial Banking Online Training
  • Credit Risk Management - adjudication of Corporate and Commercial credit Applications
  • Customer Experience Unit - Instrumental in design, preparation and launch of the following; -VIP Banking Segment - Club S - Project Wallet - Q-Flow

Associate - Platinum Banking

CIBC First Caribbean International Bank (Trinidad & Tobago) Limited
07.2015 - 03.2018
  • Maintaining clients' portfolio along with acquiring new high net worth clients
  • Provide substantial support to Relationship Manager to achieve company's asset growth target
  • Completion of monthly reviews of key controls and timely implementation of agreed actions
  • Credit writing & Loan Processing
  • Monthly reporting of the Platinum Banking Segment for Country Management Committee
  • Provided oversight and supervisory support to the Customer Service Officers

Volunteer

South Pacific Business Development Microfinance Limited
Apia
08.2014 - 11.2014
  • Volunteered to assist the Manager of Compliance and Financial Literacy

Treasurer

National Dance Association of Trinidad and Tobago
St James
01.2008 - 01.2013
  • Prepared yearly financial reports for the public and government review
  • Successfully delivered financial report on a timely basis after clearing a backlog of 2 years outstanding financials prior to service
  • Drove the executive to become more sustainable in project planning and deliverance
  • Encouraged revenue creation and sustainability

Accounting Assistant

Central Bank of Trinidad and Tobago
Port of Spain
03.2007 - 01.2013
  • Monitored accounts, assisted in financial reporting in addition to preparing monthly reconciliations and analysis
  • Assisted in the preparation and monitoring of the annual budget, which involved training staff through the budget implementation process
  • Prepared financial statements, audit schedules, reconciliations and analysis, policy changes and assisted with financial reports and improvement of internal controls within the department
  • Prepared and delivered new policy document for expensing prepayment accounts

Accounting Assistant

Prestige Holdings Limited
Port of Spain
01.2006 - 01.2007
  • Assisted with financial reporting
  • Accounting Assistant TCBY brand, assisted preparation of financial statements, daily sales reports, stock replenishment and management of account payables
  • Assisted the brand manager in marketing and sales

Accounting Clerk

Ministry of Science, Technology and Tertiary Education
Long Circular
01.2005 - 01.2006
  • Processed the monthly payroll sheets of 150 employees

Education

Master of Science - Development Studies

National University of Samoa
Samoa
01.2014

Bachelor of Science - Accounting

University of the West Indies
St. Augustine
01.2010

Skills

  • Business Strategic planning
  • Transaction Monitoring
  • Relationship Management
  • Creating process/work flows
  • Identifying breakdowns in efficiency
  • Financial Reporting
  • Budget development
  • Monitoring and reconciliations
  • Statistical & Financial analysis
  • Loan processing
  • Research
  • Credit Writing

Training

  • Premium Relationship Management Training, Scotiabank, 01/2019
  • ICCB (International Corporate & Commercial Banking) Training, Scotiabank, 01/2018
  • Financial Planning-Budget and Inflationary Measures, Institute of Banking and Finance, 01/2016
  • Relationship Management, CIBC First Caribbean International Bank, 01/2015
  • Proposal Preparation for Adaptation Fund, Secretariat of the Pacific Regional Environment Programme (SPREP), 01/2014
  • Automated Clearing House (ACH), Trinidad and Tobago Inter-Banking Payment Systems (TTIPS), 01/2007
  • Oracle General Ledger Illuminat, 01/2007
  • Microsoft Office, Computers and Controls Ltd, 01/2007

Publications And Awards

  • Caribbean Pacific Island Mobility Scheme (CARPIMS) Scholarship Recipient
  • Master's Thesis: Status of Micro Finance in the Small Island Developing States of the Caribbean and the South Pacific
  • Awarded most outstanding 'A' level accounting student - Upper Level Educational Institute
  • Honor Scroll - Integrated Science
  • Excellence in music
  • Miss Carifin 2009
  • Miss Talented T&T 2012

Accomplishment Highlights

  • Managed the nationwide launch of a major strategic initiative for Scotiabank, Q-Flow (walk-in virtual queue & data management system). Also worked on two other successful strategic projects 'VIP Banker' (new banking segment focused on maintaining relationships with Corporate Clients' decision makers) and 'Project Wallet' (Primary banker reward system).
  • Developed a reputation for always showing initiative to learn and understand the big picture to ensure that tasks are performed effectively, relieving pressure from supervisors and managers. This included being the 'go-to' creative person for organizing various ad hoc yet important events.
  • Improved work efficiency for the Finance and Accounting department of the Central Bank of Trinidad & Tobago by instigating and coordinating the improvement of the filing and archiving system. This experience has also led me to create a records management system during my tenure at CIBC First Caribbean International Bank.
  • Successful Liaison for Trinidad and Tobago & Grenada (including the Prime Minister) delegation during the Small Island Developing States conference in Samoa. This included a wide range of skills such as planning, coordinating & cooperating.
  • Presented on Microfinance and the importance of Financial Literacy in Samoa at the Samoa Conference 3 in 2014. This spiked interest in the topic among Samoan citizens present and as a result encouraged most to assess their personal financial decision.

Timeline

Business Banking Manager

JMMB Bank Trinidad & Tobago Limited
07.2024 - Current

Credit Officer

JMMB Bank Trinidad & Tobago Limited
01.2023 - 07.2024

Corporate (Mgt) Trainee

Scotiabank Trinidad & Tobago Limited
03.2018 - 01.2022

Associate - Platinum Banking

CIBC First Caribbean International Bank (Trinidad & Tobago) Limited
07.2015 - 03.2018

Volunteer

South Pacific Business Development Microfinance Limited
08.2014 - 11.2014

Treasurer

National Dance Association of Trinidad and Tobago
01.2008 - 01.2013

Accounting Assistant

Central Bank of Trinidad and Tobago
03.2007 - 01.2013

Accounting Assistant

Prestige Holdings Limited
01.2006 - 01.2007

Accounting Clerk

Ministry of Science, Technology and Tertiary Education
01.2005 - 01.2006

Master of Science - Development Studies

National University of Samoa

Bachelor of Science - Accounting

University of the West Indies
Melissa McAllister