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Kezia Ballantyne

Senior Banking and Finance Officer

kezia.ballantyne@email.vc+1 (784) 531-7842Kingstown, Saint Vincent and the Grenadines

Professional Summary

Results-driven banking and finance professional with over 11 years of experience across retail banking, credit analysis, and financial services in Saint Vincent and the Grenadines. Demonstrated track record of growing loan portfolios by 32% and reducing non-performing loans through rigorous credit assessment frameworks at leading regional institutions. Skilled communicator and team leader committed to strengthening financial inclusion and economic development across the Eastern Caribbean.

Skills

Credit Analysis and UnderwritingLoan Portfolio ManagementECCB Regulatory ComplianceFinancial Statement AnalysisRisk AssessmentRelationship BankingAnti-Money Laundering (AML) ProceduresCore Banking Systems (Temenos T24)SME Business DevelopmentFinancial Reporting and Forecasting

Employment History

Senior Credit OfficerMar 2018 – Present

Bank of Saint Vincent and the Grenadines, Kingstown, Saint Vincent and the Grenadines

•Lead credit analysis and underwriting for commercial and personal loan portfolios totalling EC$28 million.

•Reduced non-performing loan ratio from 9.4% to 5.1% over three years through enhanced due diligence procedures.

•Mentored a team of 5 junior credit analysts and delivered quarterly training on ECCB regulatory compliance.

•Approved over 340 SME loan applications supporting local agriculture, tourism, and retail businesses.

Relationship Banking OfficerJun 2014 – Feb 2018

First Caribbean International Bank (CIBC), Kingstown, Saint Vincent and the Grenadines

•Managed a portfolio of 180 retail and business banking clients with combined deposits of EC$12 million.

•Achieved 118% of annual new account acquisition targets for two consecutive years.

•Coordinated mortgage application processing, reducing average approval time by 14 days through streamlined document verification.

•Represented the branch at OECS business networking events to attract new corporate clients.

Customer Service and Loans OfficerSep 2012 – May 2014

National Commercial Bank SVG, Kingstown, Saint Vincent and the Grenadines

•Processed personal and agricultural loan applications for a branch serving over 2,400 active customers.

•Maintained 98% accuracy on daily teller reconciliations across a 12-month period.

•Assisted in implementing a new core banking software module that reduced customer wait times by 20%.

•Provided financial literacy outreach at community events in partnership with the Ministry of Finance.

Education

Bachelor of Science in Banking and FinanceSep 2008 – May 2012

University of the West Indies, Cave Hill Campus, Barbados

Associate Degree in Business AdministrationSep 2006 – Jun 2008

St. Vincent and the Grenadines Community College, Kingstown, Saint Vincent and the Grenadines

Certifications

Associate Chartered Banker (ACB) · Chartered Banker Institute · 2017-11

Certificate in Anti-Money Laundering · ACAMS (Association of Certified Anti-Money Laundering Specialists) · 2019-04

ECCB Credit Risk Management Certificate · Eastern Caribbean Central Bank · 2020-09

Certificate in Financial Modelling · Caribbean Institute of Banking and Finance (CIBAF) · 2022-03

References

Mr. Carlton Joseph

Bank of Saint Vincent and the Grenadines

c.joseph@bsvg.vc · +1 (784) 457-1844

Ms. Pauline Hector

First Caribbean International Bank (CIBC), Kingstown

p.hector@firstcaribbeanbank.com · +1 (784) 456-2900

Dr. Marcus Williams

St. Vincent and the Grenadines Community College

m.williams@svgcc.edu.vc · +1 (784) 457-6821

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