Albert H Andall
Basseterre
Summary
Dynamic and Motivated Business Professional who is a results-driven and effective leader with outstanding interpersonal skills and a keen eye for solid business ventures. A self-starter and creative problem-solver that works smart and loves a challenge; adept at multi-tasking and thriving in a fast-paced environment while coordinating numerous time-sensitive projects.
I am a detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
19
19
years of professional experience
Work History
Credit Associate II
St. Kitts Nevis Anguilla National Bank
09.2024 - Current
- Participated in ongoing professional development opportunities to enhance knowledge of industry standards, lending practices, and regulatory requirements in the field of credit analysis.
- Improved financial risk management with meticulous analysis of financial statements and market trends.
- Coordinated with legal counsel on complex cases, ensuring appropriate actions were taken to protect company interests and recover outstanding debts.
- Increased efficiency in collections, utilizing advanced software tools for tracking and reporting purposes.
- Analyzed customer financial records to determine appropriate payment plan.
- Identified opportunities for process improvements by reviewing current practices and recommending changes that ultimately led to greater efficiency within the credit department.
- Developed strong relationships with clients to facilitate negotiations and improve payment terms.
- Minimized bad debt write-offs by conducting thorough credit investigations on new customers.
- Reduced delinquency rates with proactive monitoring of customer accounts and timely followups.
- Implemented robust monitoring systems to proactively identify high-risk accounts, enabling targeted collection efforts.
- Advised senior management on credit risk trends, influencing strategic planning and risk management policies.
- Collaborated with cross-functional teams to identify areas for improvement in customer service processes.
- Managed high-pressure situations calmly and professionally, maintaining strong rapport with clients during difficult interactions.
- Resolved complex customer issues, ensuring a positive and efficient experience.
Operations Officer Consultant
National Recovery Program Bureau St. Maarten
01.2020 - Current
- Company Overview: NRPB is an independent administrative agency established through funding by the Dutch Trust Fund managed by the World Bank on behalf of the Government of Sint Maarten.
Senior Examiner - Non-Bank Credit and Money Services Supervision Department
Grenada Authority for the Regulation of Financial Institutions
01.2018 - 01.2020
- Company Overview: Single Regulatory Unit for the non-bank financial sector in Grenada. Responsible for financial/banking regulation & supervision, auditing, regulatory policy development, AML/CFT
Senior Credit Officer
Communal Co-operative Credit Union Grenada
01.2017 - 01.2018
- Mortgage and loan underwriting, collections, rehabilitation, restructures, loss mitigation, Account Relationship Management, Policy Development, Commercial Underwriting
Loans Manager
St. Kitts Nevis Anguilla Bank
01.2015 - 01.2017
- Mortgage and loan underwriting, collections, rehabilitation, restructures, loss mitigation, Account Relationship Management, Policy Development
Manager, Loans & Credit Department
St. Kitts Co-operative Credit Union
01.2015 - 01.2016
- Department Manager, mortgage and loan underwriting, collections, rehabilitation, restructures, loss mitigation, Account Relationship Management, Policy and technical development
Enterprise Development Officer assigned to the Market Access Rural Enterprise Project / Recoveries Officer
Grenada Co-operative Bank
01.2012 - 01.2015
- Micro Small & Medium Enterprise lending, Mortgage and loan underwriting, collections, rehabilitation, restructures, loss mitigation
Research Officer
Grenada Chamber of Industry & Commerce
01.2011 - 01.2012
- Analyzing data, research & information gathering, trade facilitation, international trade and marketing, public/private partnership lobbying
Junior Credit Officer
National Development Foundation of Grenada
01.2006 - 01.2010
- Micro Small & Medium Enterprise lending
Education
Bachelors of Science - Business Administration
ST. GEORGE'S UNIVERSITY
05.2010
Skills
- World Bank Procurement Practices
- World Bank Environmental & Social Framework
- CFATF AML/CFT Training
- Enterprise Risk Management
- Corporate Social Responsibility
- Training and mentoring
- Relationship management
- Due diligence
- Client onboarding
- Sales experience
- Teamwork and collaboration
- Customer service
Accomplishments
Contributed to the recovery and development of the Small Business Sector in St. Maarten through the World Bank Funded Enterprise Support Program.
References
- Mr. Claret Connor, Director, National Reconstruction Program Bureau St. Maarten, 721-585-6400, c.connor@nrpbsxm.org
- Mr. Donald Thompson, Chief Executive Officer, St. Kitts-Nevis Anguilla National Bank Limited, 869-6622725, donaldt@sknanb.com
- Mr. Lennox J Andrews, Economist / Minister for Economic Development & Trade, 473-405-1780, lennoxandrewsgnd@gmail.com
Timeline
Credit Associate II
St. Kitts Nevis Anguilla National Bank
09.2024 - Current
Operations Officer Consultant
National Recovery Program Bureau St. Maarten
01.2020 - Current
Senior Examiner - Non-Bank Credit and Money Services Supervision Department
Grenada Authority for the Regulation of Financial Institutions
01.2018 - 01.2020
Senior Credit Officer
Communal Co-operative Credit Union Grenada
01.2017 - 01.2018
Loans Manager
St. Kitts Nevis Anguilla Bank
01.2015 - 01.2017
Manager, Loans & Credit Department
St. Kitts Co-operative Credit Union
01.2015 - 01.2016
Enterprise Development Officer assigned to the Market Access Rural Enterprise Project / Recoveries Officer
Grenada Co-operative Bank
01.2012 - 01.2015
Research Officer
Grenada Chamber of Industry & Commerce
01.2011 - 01.2012
Junior Credit Officer
National Development Foundation of Grenada
01.2006 - 01.2010
Bachelors of Science - Business Administration
ST. GEORGE'S UNIVERSITY
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