Summary
Overview
Work History
Education
Knowledge Languages Skills
Awards
Timeline
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Margarita G. Perez

Collateral & Disbursement Officer
Belize City

Summary

Highly motivated individual with proven experience in fast-paced banking environments, including teller operations, ATM management, and building strong customer relationships. Possesses a strong understanding of banking securities, compliance requirements, and loan disbursement procedures. Currently pursuing a Bachelor's Degree in Management at the University of Belize, seeking a challenging position to further develop my skills and advance my career.

Overview

14
14
years of professional experience
13
13
years of post-secondary education
2
2
Languages

Work History

Collateral & Disbursement Officer

The Belize Bank Ltd
06.2024 - Current
  • Conduct sampling of unsecured credit facilities processed by the Collateral & Disbursement Assistants
  • Ensuring completeness and compliance of credit applications following lending policy and procedures for disbursements
  • Examine collateral documentation, communicating deficiencies, and managing securities documentation in the different platforms
  • Timely processing of Discharge of Charge requests, vetting of documents and obtaining approvals
  • Provide support to Collateral & Disbursement Assistants to address challenges, escalate to proper authority and ensure smooth communication
  • Submit monthly reports of omissions to Sales Internal Auditor & General Manager (Retail & Digital Banking)
  • Provide training on retail disbursements to new personnel
  • Conduct coaching sessions for the Collateral & Disbursement Assistants

Collateral & Disbursement Securities Officer

The Belize Bank Ltd
12.2023 - 05.2024
  • Follow up on the perfection of collaterals & pending items to perfect collaterals for retail and corporate customers
  • Respond to collateral queries from the Audit Department
  • Follow up with respective branches for out-of-order securities
  • Keep safe custody and surrender all security-related documents
  • Actively follow up with the law firms for updates about registered documents
  • Prepare and send instructions to the law firm for the creation of security documents
  • Disbursement of Corporate loans/Overdrafts and ensure security documents are in order before disbursement
  • Provide security confirmation to retail and corporate lenders
  • Provide advice to Corporate officers & Retail officers on requirements for creating security documents
  • Process discharge and release of securities

Collateral & Disbursement Assistant

The Belize Bank Ltd
06.2018 - 12.2023
  • Disbursement of Retail facilities and ensure refinanced loans are settled
  • Examine Credit applications and ensure all are complete and in compliance with the bank's lending policies to minimize risks
  • Ensure loans with multiple drawdowns are future-dated to prevent automatic drawdowns without approval
  • Examines collateral security documentation before disbursement of credit facilities
  • Identify and escalate deficiencies found when reviewing credit security documents
  • Modify payment dates, step up or step down for loan installments, apply grace periods, and complete loan write-offs

ATM Custodian

The Belize Bank Ltd
  • Responsible for 11 Atms (Belize City and Ladyville areas)
  • Attend to all cash transactions about Atms in a timely and accurate manner
  • Verify Atms status and cash balances and secure funds required for replenishment
  • Prepare canisters
  • Locating ATM outages
  • Request of footage and data to confirm outages
  • Weed out of cash
  • Scanning and indexing of signatures
  • Approval of signatures
  • Filing of ATM bills
  • Clear and process ATM deposits daily
  • Schedule ATM runs with the security company
  • Do remote readings/balancing for Atms
  • Keep logs for Atms faults (date, time, reason, Atm #, etc.)
  • Assist with logging of captured cards locally and internationally
  • Other duties assigned from time to time

Currency Custodian

The Belize Bank Ltd
04.2015 - 06.2018
  • Prepare cash requisitions to and from the central bank
  • Schedule time with a security company for runs to districts
  • Keep logs for requisitions and surrenders to and from the central bank and districts
  • Prepare USD source of funds and cash for surrender to the central bank
  • Maintain a daily cash balance
  • Take ATM readings
  • Prepare KBH receipts

ATM Custodian/Teller

The Belize Bank Ltd
10.2010 - 01.2015
  • Maintain a daily cash balance
  • Process transactions efficiently and accurately
  • Inform customers of promotions and build rapport
  • Prepare 15th and End of month statements
  • Have all ATMs in good working conditions
  • Keep logged data of all ATMs (cash, figures, etc.)
  • Assist tellers and custodians with daily duties
  • Other duties assigned from time to time

Education

Bachelor's Degree - Management

University of Belize
01.2019 - Current

Associate degree - Business Administration

Corozal Junior College
01.2005 - 01.2007

Diploma - Business Administration

Corozal Community College
01.2000 - 01.2005

Knowledge Languages Skills

  • Spanish
  • English
  • Computer literate
  • Ability to network extensively

Awards

  • Principles of Accounting
  • Small Business Management
  • Biology
  • Mathematics

Timeline

Collateral & Disbursement Officer

The Belize Bank Ltd
06.2024 - Current

Collateral & Disbursement Securities Officer

The Belize Bank Ltd
12.2023 - 05.2024

Bachelor's Degree - Management

University of Belize
01.2019 - Current

Collateral & Disbursement Assistant

The Belize Bank Ltd
06.2018 - 12.2023

Currency Custodian

The Belize Bank Ltd
04.2015 - 06.2018

ATM Custodian/Teller

The Belize Bank Ltd
10.2010 - 01.2015

Associate degree - Business Administration

Corozal Junior College
01.2005 - 01.2007

Diploma - Business Administration

Corozal Community College
01.2000 - 01.2005

ATM Custodian

The Belize Bank Ltd

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Margarita G. PerezCollateral & Disbursement Officer