Carolyn Ariscar

• Review and Approve credit applications
• Prepare financial reports to support management decision-making processes.
• Collaborate with cross-functional teams to streamline credit approval workflows.
• Supervise the monitoring of accounts for credit compliance and potential credit issues.
• Develop training material for the Credit Department
• Review and update internal policies to enhance efficiency in credit management.
• Research and develop enhancements to the credit module of the core banking system.
• Prepare Quarterly Credit Performance Report tailored for presentation to the Credit and Risk Committee.
• Ensure that Credit regulatory guidelines, limits and thresholds are maintained.
• Responsible for regulatory reporting to the Central Bank of The Bahamas.
• Provide expert advice on complex credit transactions for senior management's decision making.

• Analyzed credit applications to assess risk and determine creditworthiness.
• Facilitated communication between credit and internal teams to resolve credit-related inquiries.
• Managed customer accounts, including monitoring payment histories and outstanding balances.
• Collaborated with sales teams to establish appropriate credit limits for new customers.
• Provided training and support to junior staff on credit assessment procedures and tools.
• Developed and maintained credit policies to ensure compliance with regulatory standards.
• Prepared detailed reports on credit performance metrics for senior management review.
• Supervise and Manage the employees of the Credit Department.
• Prepare and disseminate daily exceptional report.
• Prepare all regulatory reports for the Central Bank of the Bahamas.

• Prepare credit applications assessing risk and determine eligibility for loan approvals.
• Implement and monitor approved credit facilities.
• Monitor facilities identifying trends and possible deterioration.
• Developed and implemented credit policies to enhance risk management strategies.
• Prepare daily risk monitoring report.
• Mentored junior staff on best practices in credit assessment and decision-making processes.
• Collaborated with cross-functional teams to streamline loan processing workflows and improve efficiency.

As a Business Analyst, I played a critical role in supporting the preparation and delivery of comprehensive financial statements to clients, aligned with established service levels defined by the Accounting team. My key responsibilities included;

• Support the preparation and delivery of client financial statements in line with Accounting team SLAs.
• Review and validate asset values entered by supporting Analysts for accuracy and completeness.
• Analyze third-party bank statements to ensure all transactions are correctly recorded and properly approved.
• Identify and escalate any unapproved or irregular transactions in accordance with compliance procedures.
• Collaborate with Fiduciary Officers to identify, track, and report missing financial information.
• Escalate issues that may affect financial reporting accuracy or timeliness.
• Maintain strong attention to detail and control standards to support accurate financial reporting.
• Contribute to cross-functional coordination between Accounting, Fiduciary, and Analyst teams.

• Processed vendor invoices accurately and in a timely manner to ensure prompt payments.
• Reconciled accounts payable transactions, ensuring consistency between records and financial statements.
• Collaborated with internal departments to resolve discrepancies and improve payment processes.
• Maintained comprehensive records of all transactions, enhancing tracking and reporting capabilities.
• Transfer Pricing postings, accruals, reconciliations and any other tasks deemed necessary on a monthly basis.

• Provide direct support to the Accountant and Executive Management in financial operations and reporting.
• Prepare and reconcile bank statements to ensure accurate cash position reporting.
• Post journal entries and maintain General Ledger accuracy.
• Maintain and update the Fixed Asset Schedule, ensuring proper capitalization and depreciation.
• Prepare invoices and monitor timely collection of terminal rental payments from merchants.
• Oversee Accounts Payable: prepare, disburse, and reconcile payments to vendors.
• Supervise the Accounts Receivable Clerk, ensuring accuracy and timeliness in receivables processing.
• Perform daily maintenance and monitoring of merchant accounts for billing, collections, and reconciliation.

• Assist the Controller in ensuring a smooth and timely year-end audit process.
• Participate in monthly and quarterly financial closings to support accurate reporting.
• Supervise activities to ensure all internal and external financial reporting deadlines are consistently met.
• Prepare and post journal entries related to cash receipts and accounts receivable.
• Reconcile Accounts Receivable in the billing system with the General Ledger to ensure accuracy.
• Assist in developing and implementing new procedures and system enhancements to improve departmental workflow.
• Provide training and onboarding support to new and existing finance staff.
• Prepare and process weekly payroll for all employees in compliance with internal controls and timelines.

• Reconcile bank statements to ensure accurate recording of cash and banking transactions.
• Prepare and maintain monthly cash flow statements for effective liquidity management.
• Process and disburse Accounts Payable in accordance with internal controls and vendor terms.
• Post journal entries to the General Ledger, ensuring accuracy and compliance with accounting standards.
• Prepare and submit quarterly Foreign Exchange Control reports to the Central Bank of The Bahamas.
• Monitor and maintain all disbursements from international credit lines, ensuring adherence to funding agreements and reporting requirements.