2009
BS Accountancy
Mary the Queen College Pampanga Inc.
More Info About Me
I'm Corazon, "Cor'z" for short. I'm 36 years old, married with 3 sons. I am Filipino, living in the Philippines. I graduated year 2009 as a Bachelor of Science in Accountancy. I started working year 2010 and ended it year 2022 because I gave birth for two consecutive year and I sacrifice my career to take care of my children. Currently, all of them are attending in school so I have now time to get back up again and start a new one related to my chosen field and can support my financial needs.
I am hardworking and reliable person who can assist you to your office work. I am honest and trustworthy individual that can work without supervision. I am easy to get along with and can work with a team.
You can contact me thru facebook Messenger at Cor'z Singca dela Cruz or email me at csdcruz10@gmail.com.
Hire me! I'm your reliable Online Bookkeeper..
Online Bookkeeping
Bookkeeper
Social Media Management
Graphic Designer
Data Entry
Content Creator
Certificates
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My Experience and Education
2015
-
2021
Zambalez Rural Bank Inc.
(Branch Manager)
Preparation of yearly Projection on a 1 year to 5 years operation
Prepares Strength, Weakness, Opportunity and Threat (SWOT) ANALYSIS every year
Make desireable outputs based on assumptioms set up by management
Design strategies on how to meet targets on a monthly and yearly basis
Prepares weekly,monthly and yearly variance analysis then make an action plan for the unfavorable variances
Responsible for planning, organizing, directing, coordinating and controlling the activities of the branch to attain overall objectives and targets set by Management.
Responsible for compliance by the Branch with all Bank policies and procedures as well as BSP and all other applicable government rules and regulations.
Responsible for promoting and implementing the service standards set by the management to meet expectations of clients.
Meets work targets on time in terms of desirable outputs/projects/services
able to meet targets on net income and past due ratio every month
able to meet the 20% decrease in ROPA for the whole year
able to meet not less than 10M increase each account in resources, loans portfolio and deposit liabilities for the whole year
monthly reports must be submitted to head office every 3rd of the following month
Always keen, quick, accurate and complete in all details of job. Knows all phases of work.
proper monitoring of accounts receivable and accounts payable
minimal audit findings
maintains cleanliness and orderliness in the bank premises
Check and approve daily journal entries of proof sheets (tickets must be approved within the day or at most the following day)
able to conduct surprise cash count
safeguarding of assets (custodian of keys, accountable forms, credit files, cash in vault must be properly designated to employees)
able to increase number of clients for loans and deposits
sensible in dealing with clients
conducts regular staff meeting
maximizes rediscounting
Monitor daily cash on hand and cash in banks daily for withdrawals and clearing checks.
Keep CCTV reviews and back ups
Supervise the Teller/Cashier in the ATM cash reloading
Approve all newly-opened deposit accounts
Approve deposits to savings account, current account and time deposits.
Check and approved the accuracy of the computation of Order of Payment, Cashier’s Check issuance, Time Deposit Processing Sheet and Disclosure Statement of loan releases
Conduct interview of all loan applicants and walk-in clients opening a current account. Must be sensible, competent and professional in dealing with clients.
Conduct Credit Investigation with Credit Investigator officer
Verify, compute and analyze Credit risk Borrower and Facility Risk Rating
Recommend loan applications for approval
Approve all loan releases, renewals and restructuring. See to it that no loans shall be released unless proper documentation, registration and approval have been complied with in accordance with existing lending policies and procedures of the bank.
Monitor the conduct of loan utilization check.
Review/monitor all maturing loans for the month. Follow up thru call or text and personal visitation to those borrowers with past due loan accounts and accounts which are about to mature or fall due.
Sign reminders and notices, and ensure that these are prepared and sent on time. Check all the information indicated in the reminders/notices if they tally with the loan listing. Make sure that our policy on zero tolerance on past-due is properly observed at all times.
Manage the time of going to the field with the loan collector to personally follow-up collection of past due loan accounts, pursuing sale of ROPAs, marketing for deposits and new loans, and conducting credit investigation with the Appraiser.
Monitor funding
Conduct daily cash-count.
Analyze financial statements daily to determine which aspect of the branch’s operation needs improvement or attention.
Check the bookkeepers’ records (GL, SL, FS, etc.) to ensure that these are updated and that reports are submitted on time.
Responsible for monitoring of the following:
Daily submission of AMLA reports to Head Office through the Compliance Officer
Liquidity of the branch/required reserve
Rediscounting efficiency
The BM should also read Circulars issued by BSP from time to time, to be familiar/ updated with the changes in some reports submitted to BSP as well as the policies governing banking operations.
Attend Seminars every week
Maintain cleanliness and orderliness in the bank premises
See to it that bank’s safe, vault, glass door and windows are locked and alarm system is on before leaving the bank.
Conduct regular staff meeting the day after every mancom meeting or as often as possible. Relay and disseminate to the staff the new policies and procedures being discussed during the MANCOM meeting, and ensure that these are properly implemented.
Review performance for the week. Determine what goals were attained and which goals remain unaccomplished.
Monitor redemption periods of foreclosures and dacions and settle the taxes and fees promptly.
Performs all other functions assigned and directed by Management
2013
-
2015
Zambalez Rural Bank Inc.
(General Ledger Bookkeeper)
Review requisitions for payment by checking the accuracy of all invoices as well as verifying all adequate supporting documentation are attached approved by authorized personnel.
Preparing daily, weekly, monthly and yearly financial statement
Ensure that all invoices identified as priority for payment are paid on a timely consistent basis.
Reconcile deposit accounts and receivables, payables, Due to Head Office, due from other banks and all other accounts and resolve differences.
Monitoring accounts to ensure payments are up to date
Prepares withholding taxes at source- BIR FORM 1601-C and E
Check the correctness of all journal entries based on proof of transaction daily of all departments
Maintain the Trial Balance daily
Prepares weekly reports for managers meeting
Prepares Financial Schedules Monthly
Maintains Sick Leave and Vacation Leave Ledger
Prepares Daily Time Records of all the employees in the branch
Performs all other tasks assigned by the Manager
2012
-
2013
Zambalez Rural Bank Inc.
(Loan Processor)
Preparation of loan application
Process the real estate mortgage (REM) , Special Power of Attorney, Amendments of REM and other legal papers pertaining to the loan
Process loan releases
Maintain Credit Files filling and
Safekeeping of collateral loan, etc.
Reliever of Teller Cashier and Loans Bookkeeper in case of absences.
Performs all other tasks assigned by the Manager.
My Services
Social Media Management
Analyzing engagement data, identifying trends in customer interaction and planning digital campaigns to build community.
Data Entry / Web Researcher
Search the Internet for information on a wide variety of topics.
Content Creator
Promote companies' products and services by developing copy for websites, social media, marketing materials.