Xavier Landaverde
Belmopan,Belize
Summary
Results-driven banking professional with 23+ years of experience in retail and commercial banking, managing high-value client portfolios and delivering tailored financial solutions. Proven ability to drive business growth, strengthen client relationships, and provide strategic expertise across lending, finance, and services within leading financial institutions in Belize.
Overview
21
21
years of professional experience
Work History
Sales & Business Development Manger
Belize Bank Ltd. (Business Banking Unit)
Belize City
10.2021 - Current
- Identified, acquired, and grew new and existing business banking relationships, managed portfolio of mid- to large-sized clients to enhance revenue generation and expand portfolio.
- Leveraged credit analysis and financial expertise to deliver tailored solutions across lending, trade finance, and deposits, deepening client relationships while ensuring compliance with regulatory and internal policies.
- Developed strategic partnerships to enhance business banking services.
- Analyzed market trends to identify new business opportunities.
- Led cross-functional teams to drive project initiatives and improve client engagement.
Credit Solutions Manager
Scotiabank (Belize) Ltd. . (CORPORATE & COMMERCIAL BANKING CENTER - HEAD OFFICE
Belize City
07.2017 - 09.2021
- Led end-to-end credit structuring, including deal design, pricing, negotiation, and credit approval recommendations within assigned authority limits.
- Grew commercial credit portfolio through financial analysis, risk assessment, and portfolio management, supporting profitable lending decisions and business growth.
- Monitored credit performance and identified emerging risks to ensure portfolio quality and compliance with regulatory, AML, and internal banking policies.
Dual Role Relationship Manager
Scotiabank (Belize) Ltd.
Belize City
09.2008 - 07.2017
- Managed and grew mid-market commercial portfolio through proactive relationship management, emphasizing cross-selling, up-selling, and retention of key business clients to enhance profitability and drive portfolio growth.
- Conducted end-to-end credit analysis and structured credit proposals, including pricing decisions, risk assessment, and restructuring marginal deals into viable banking solutions.
- Monitored credit performance and ensured portfolio quality and compliance by identifying emerging risks and adhering to regulatory requirements, AML standards, and internal banking policies.
Credit Officer
Scotiabank (Belize) Ltd.
Belize City
04.2007 - 09.2008
- Prepared detailed reports summarizing customer profiles and risk assessments, providing recommendations that influenced decisions on new lines of credit.
- Managed growth of Small Business portfolio, contributing to overall profitability and strategic objectives.
- Ensured compliance with governing regulations and internal policies in all operational activities.
Relationship Officer
Scotiabank (Belize) Ltd.
03.2006 - 04.2007
- Developed tailored solutions addressing diverse client needs to enhance satisfaction.
- Managed account portfolios, ensuring prompt resolution of inquiries and issues to maintain client trust.
- Contributed to Branch success in Belize by executing specific individual goals and initiatives aligned with team business strategies.
Personal Banking Officer
Scotiabank (British Virgin Islands) Ltd.
Road Town, British Virgin Islands
08.2005 - 12.2005
- Worked as retail lending officer, providing tailored lending solutions to the branch's diverse client base.
- Supported Scotiabank's Caribbean operations by addressing human resource gaps in territories with specific needs.
- Completed temporary work assignment at Scotiabank (BVI) Ltd. franchise in British Virgin Islands.
Education
Bachelor of Arts - Business Management (Finance)
Edinburgh Napier University
University In Scotland10-2024
Associates Degree - business administration
University of Belize
BelizeSkills
- Sales strategy development
- Sales forecasting
- Sales metrics analysis
- Sales enablement tools
- Pipeline development
- Business development
- Competitive analysis
- Market understanding
- Strategic business planning
- Financial analysis
- Interpersonal communication
- Customer-focused approach
Languages
- Spanish: Proficient
Timeline
Sales & Business Development Manger
Belize Bank Ltd. (Business Banking Unit)
10.2021 - Current
Credit Solutions Manager
Scotiabank (Belize) Ltd. . (CORPORATE & COMMERCIAL BANKING CENTER - HEAD OFFICE
07.2017 - 09.2021
Dual Role Relationship Manager
Scotiabank (Belize) Ltd.
09.2008 - 07.2017
Credit Officer
Scotiabank (Belize) Ltd.
04.2007 - 09.2008
Relationship Officer
Scotiabank (Belize) Ltd.
03.2006 - 04.2007
Personal Banking Officer
Scotiabank (British Virgin Islands) Ltd.
08.2005 - 12.2005
Bachelor of Arts - Business Management (Finance)
Edinburgh Napier University
Associates Degree - business administration
University of Belize