Kayla A. Darville
Nassau
Overview
33
33
years of professional experience
1
1
Certification
Work History
Sr. Manager Credit Risk Department
Commonwealth Ban Limited
02.2022 - 10.2025
- Ensure the smooth operation of the Credit Risk Department
- Leading a team of Three (3) Management Adjudicators and Four (4) Administrative Assistants
- Ensure all credit and delinquency requests (consumer and mortgage facilities, commercial facilities, restructures, cures and refinances) are properly analyzed and approved within the established authorized limits, credit policies and procedures.
- Identify strengths and augment deficiencies for any facilities in excess of authorized limits for further review
- Be familiar with sales and marketing activities associated with consumer-oriented opportunities
- Drafting lending policies and procedures for all credit facilities ensuring same is maintained, up to date and in compliance with the credit risk appetite
- Assist with application and development of approved collection policies and procedures
- Evaluating and applying effective pricing to ensure our products are profitable, competitive and reflective of the risk undertaken
- Monitor the results of all branches on an ongoing basis.
- Participate in the formulation and delivery of consumer and mortgage lending training programs
- Assist with the personal development and career growth of each employee
Mortgage Manager & Manager Centralized Securities Department
Commonwealth Bank Limited
02.2001 - 02.2022
- Ensure the smooth operation of the Commercial and Residential Mortgage Loan, Collection and Centralized Securities Department. Leading a team of fifteen (15) employees
- Assist with the personal development and career growth of each employee
- Lead, coach and motivate sales, centralized securities and collection teams
- Responsible for increasing the Branch’s mortgage portfolio and at the same time ensuring customer service standards are met
- Soliciting new business and maintaining/retention of the portfolio by liaising with real estate agencies, attorneys, professionals etc.
- Manage mortgage collection activities of all Nassau, Abaco and Grand Bahama branches in foreclosure
- Responsible for ensuring mortgage delinquency goals are met for all Nassau and Family Island branches, providing coaching and guidance to the collection team.
- Responsible for ensuring the Bank’s securities for all mortgage, lot loans and secured consumer loans are procured, followed and renewed annually (ie. following for mortgage documents, insurance renewals etc.)
- Authorizing new loans within delegated authority and forwarding mortgages outside of lending authority for adjudication
- Responsible for the accurate completion of Bank’s foreclosure listing
- Verification of all new mortgage loans booked
- Ensure all customer complaints/queries are dealt with in a timely manner
- Responsible for cross selling and up selling the Bank’s products
Personal Banking Manager
CIBC Bahamas Limited
04.1999 - 02.2001
- Ensure the smooth operation, and increase lending portfolios and collection activities of the Loan Department which included Consumer, Commercial and Mortgage Lending for East Bay and Paradise Island Branches, and Securities Department.
- Leading a team of twelve (14) employees
- Lead coach and motivate Sales and Securities teams as well as assist with their growth and development
Personal Banking Representative II
CIBC Bahamas Limited
02.1996 - 10.1999
- Responsible for increasing consumer, commercial and mortgage loan portfolios
- Networking with car dealers, attorneys, real estate agents and real estate developers
- Managed a portfolio of High Valued Clients
Personal Banking Manager
CIBC Bahamas Limited
10.1997 - 04.1999
- Duties same as above. Directly supervising six employees only
Credit Officer – Commercial Banking Centre
CIBC Bahamas Limited
10.1994 - 02.1996
- Assisting Account Managers with preparation of Commercial Credit Applications
- Analyzing audited financial statements
- Verification of security documentation
- Ensuring covenants of the commercial credit applications are adhered to
- Completion of all commercial loan reports/return
- Following for information on annual review of accounts
Loan Clerk - Personal & Demand Loans
CIBC Bahamas Limited
09.1992 - 10.1994
- Responsible for processing all consumer, demand and commercial loans
Education
Bachelors of Arts Degree - undefined
Nova Southeastern University
Diploma - undefined
St. Augustine’s College
Nassau, Bahamas01.1986
Certification
- Caribbean Information & Credit Rating Services Ltd. Certification Credit Risk Analysis For Corporate & Commercial Loans – November 2019
- American Bankers Association – Team Leader Certificate Course January 2008
- American Bankers Institute – Commercial Loan Certificate Course April 2007
- American Bankers Institute – Principles of Banking Certificate Course October 2006
- Richard Ivey School of Business – The University of Western Ontario June 2006 Ivey Leadership Program
- The Institute of Canadian Bankers – Letter of Accomplishment August 1995
- Oral & Written Communication Certification
- Effective Business Writing Certification
References
Furnished upon request.
Accomplishments
- Zonta Club of New Providence 2001 – present - President
- Former – Vice President, Secretary, Treasurer, Asst. Treasurer, Director
Timeline
Sr. Manager Credit Risk Department
Commonwealth Ban Limited
02.2022 - 10.2025
Mortgage Manager & Manager Centralized Securities Department
Commonwealth Bank Limited
02.2001 - 02.2022
Personal Banking Manager
CIBC Bahamas Limited
04.1999 - 02.2001
Personal Banking Manager
CIBC Bahamas Limited
10.1997 - 04.1999
Personal Banking Representative II
CIBC Bahamas Limited
02.1996 - 10.1999
Credit Officer – Commercial Banking Centre
CIBC Bahamas Limited
10.1994 - 02.1996
Loan Clerk - Personal & Demand Loans
CIBC Bahamas Limited
09.1992 - 10.1994
Bachelors of Arts Degree - undefined
Nova Southeastern University
Diploma - undefined
St. Augustine’s College