Miguel A Awai
7 Cameo Court, Ariapita Road, St. Ann's
Summary
Goal driven professional with 20 years’ experience in the local and international financial sector specializing in loan administration, debt counseling, debt collections, and credit risk.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Head of Credit
Massy Machinery Ltd.
Chaguanas
07.2023 - Current
- Managed a team of Credit Analysts responsible for reviewing customer accounts, payment history and credit limits.
- Collaborated closely with legal counsel when necessary to pursue legal action against delinquent customers.
- Reported trends in delinquencies and other relevant data points that could affect the organization's overall financial health.
- Established relationships with key customers in order to facilitate prompt payments.
- Conducted periodic reviews of existing clients to adjust credit limits and terms as necessary.
Manager, Collections
ANSA Merchant Bank Limited
Port Of Spain
05.2021 - 06.2023
- Oversees the implementation and constant enhancement of the overall customer service culture within Collections Department.
- Develop and implement effective collection procedures to minimize the bank’s exposure to loss through default or failure to obtain adequate collateral security.
- Identifies areas of the collection process that need improvement and implements and enhanced process that will help Collection Officers to be more effective.
Group Commercial Manager, Credit & Risk
A.V. Knowles & Co. Ltd.
11.2018 - 05.2021
- Provide leadership and strategic direction to Credit & Risk Department.
- Lead the Local Collections, International Collections, 1st Party/Accounts Receivables, and Marketing Departments.
- Identify, develop, and research avenues for generating new revenue streams. Implementing and identifying new products and strategies for new and existing customers.
- Presenting a positive image of the Company though first class delivery and customer engagement.
- Develop and implement Key Performance Indicators (KPI's) for the revenue generating departments in the organization.
Asst. General Manager, Mortgage Admin.
Trinidad & Tobago Mortgage Finance Co. Ltd.
08.2012 - 11.2018
- Manage the respective workflows of the Collections, Portfolio Maintenance and Account Servicing Units to ensure the operational efficiency, productivity, customer satisfaction, goals and performance standards are met.
- Establish annual targets and budgets for the department. Actively monitor KPIs and SLAs to ensure targets are achieved.
- Analyze statistics and reports and provide recommendations for strategies to achieve the department’s goals and objectives.
- Prepare monthly submissions and reports for presentation to the Board of Directors.
- Develop and enhance policies and procedures for the Mortgage Administration Department.
- Assist in the formation and execution of Strategic Plan and ensure all Strategic Plan objectives are achieved/implemented within stipulated deadlines.
Asst. General Manager, Mortgage Origination
Trinidad & Tobago Mortgage Finance Co. Ltd.
01.2015 - 12.2016
- Provide leadership in the management of the credit granting and approval process for all loans in accordance with approved policies and procedures
- Assists the General Manager in the selling of products and services of the company through the management of the Mortgage Origination Unit and branch network.
- Manage the operations of the branch network (Arima, Chaguanas, San Fernando, and Tobago). Manage the Business Development Officers (BDOs) to ensure new business for a company by generating leads, pitching the company’s products to potential customers, and cultivating strategic relationships.
- Assist in the development and implementation of mortgage underwriting policies and procedures ensuring adherence and accuracy.
Manager, Mortgage Administration
Trinidad & Tobago Mortgage Finance Co. Ltd.
06.2009 - 08.2012
- Manage the operations of the Collections, Portfolio Maintenance, and Account Servicing Units.
- Ensure payments to statutory bodies and other companies/agencies are accurate and remitted on or before the due date
- Ensure that all customer account maintenance and record keeping, (i.e. post disbursement, post redemption, deeds and securities) are accurate and completed within the prescribed time frames.
Education
Master of Science - Management - Data Management And Communication
University of Illinois - Giles College of Business
Urbana-Champaign, ILMBA - Finance
Worchester University
London, UKBachelor of Science - Commerce And Public Affairs, Minor: Sociology
University of Central Florida (UCF)
Orlando, FLAssociate of Arts - Business Administration
Valencia College
Orlando, FLSkills
- Project Management
- Strategic Planning
- Credit Risk Analysis
- Business Planning
- Risk Management
- Collections
- Loan Administration/Portfolio Maintenance
- Process Optimization/Improvements
Certification
CBCA™ - Commercial Banking and Credit Analyst
FMVA® - Financial Modeling and Valuation Analyst
Timeline
Head of Credit
Massy Machinery Ltd.
07.2023 - Current
Manager, Collections
ANSA Merchant Bank Limited
05.2021 - 06.2023
Group Commercial Manager, Credit & Risk
A.V. Knowles & Co. Ltd.
11.2018 - 05.2021
Asst. General Manager, Mortgage Origination
Trinidad & Tobago Mortgage Finance Co. Ltd.
01.2015 - 12.2016
Asst. General Manager, Mortgage Admin.
Trinidad & Tobago Mortgage Finance Co. Ltd.
08.2012 - 11.2018
Manager, Mortgage Administration
Trinidad & Tobago Mortgage Finance Co. Ltd.
06.2009 - 08.2012
Master of Science - Management - Data Management And Communication
University of Illinois - Giles College of Business
MBA - Finance
Worchester University
Bachelor of Science - Commerce And Public Affairs, Minor: Sociology
University of Central Florida (UCF)
Associate of Arts - Business Administration
Valencia College
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