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Work Background
Rizal Commercial Banking CorporationRelationship Manager
Jan. 2023- Conducts credit evaluation of accounts, including client calls and ocular inspections.
- Recommends the establishment of credit facilities in accordance with the priorities and policies of the Bank by analyzing / evaluating the client's business/ industry, financial capacity, management competence, collateral / security, and account profitability.
- Improves the quality of the loan portfolio of the Bank and aims to maximize return on its resources.
- Solicits credit-worthy accounts by identifying target markets and strategies, marketing the products and services of the Bank, and offering a financial package tailored to the requirements of the clients. - Increases the share of the market, improves revenues, and at the same time improves the quality of the portfolio of the Bank.
- Develops the existing portfolio by conducting an annual review of the credit facilities of clients and its suitability to its current requirements. Expands and deepens relationships with prime accounts by soliciting availments, increasing its deposits and collateral business.
Rizal Commercial Banking CorporationRelationship Associate
Jul. 2021 - Dec. 2022- Generates collateral business and deposits from clients and promotes other services of the bank by soliciting excess funds for deposit or placements and closing of FX requirements to generate income.
- Through client calls and coordination with the relationship managers, solicits new and quality clients that could give substantial business to the bank.
- Package credit accommodations and gathers all documents pertinent to the credit accommodations. Examines documents submitted by the clients and ensures completeness and proper documentation of facilities and transactions, as well as compliance with legal and regulatory requirements.
- Keeps abreast of updates on the Bank and BSP policies as stipulated in the Money Laundering and Terrorist Financing Prevention Program (MLPP) through circulars, required seminars/programs and adheres to said policies.
- Coordinate with the various departments in the processing of customer transactions by doing timely transaction workflows, forwarding/endorsing client requests to concerned departments, and other administrative work in order to ensure prompt and efficient servicing of client requirements.
- Monitors loan/ TR maturities daily for efficient collection. Sets up a schedule of maturities, sends monthly SOAs to the respective clients, and call clients before and/or on maturity date to follow up on their payment.
- Tracks business levels against targets by monitoring the activities of borrowing and non- borrowing accounts (deposits, collateral business) daily. Discuss transaction trends and observations with the relationship managers/with the group.
- Undertakes tasks outside the regular scope of work that may be assigned.
Virtual Business PartnersFinancial Planning Assistant
Oct. 2019 - Jul. 2021
Dan’s Bike ShopFinance Specialist
Nov. 2018 - Oct. 2019
DC Alliance Inc – FWD PhilippinesIntern
Apr. 2018 - May. 2018
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