2005
BS in Commerce Major in Financial & Managerial Accounting
San Sebastian College Recoletos- Manila
More Info About Me
My background includes over a decade of experience in banking, developing skills in documentation, credit analysis and mortgage underwriting. I am also a baker. I currently sell my custom-designed digital products, created using Canva, through various Facebook groups.
My Skills and Competencies
Social Media Management
Graphics Design
Data Entry
Content Creation
Certificates
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My Experience and Education
2015
-
2018
Robinsons Bank Corporation
(Credit Evaluator/ Mortgage Underwriter – Real Estate Loans)
DUTIES & RESPONSIBILITIES
Assess loan request through checking submitted application form, references, income and collateral documents and other significant information.
Assess the credit worthiness of housing loan applicant by analyzing the financial standing and reputation of client.
Performs independent analysis on consumer loan request and renders credit decision (approves, recommends or reject applications).
Ensures that loan applications are decided in adherence to prescribed policies and procedures and in support to the credit objectives of the Bank.
Prepares underwriting or recommendation for approval to the Credit Committee or to the concerned approving body.
Monitors own daily productivity and ensures that loan applications are processed within the desired turn-around time (TAT).
Assists the Team Leader, Unit Head or CCO Head on credit items, non-credit related items/special assignments, as the need arises.
2010
-
2015
Robinsons Bank Corporation
(Documentation Specialist - Motorcycle Loans)
DUTIES & RESPONSIBILITIES
* Prepares/reviews loan documents of Motorcycle loans based on the approved Credit Application in accordance with Bank policies and procedures.
* Examines the documents submitted to ensure accuracy and compliance with existing underwriting standards.
* Analyzes the underwriting summary findings and verifies messages and approval conditions.
* Obtains information needed for loan approvals
* Customer Information File (CIF) Creation in AS400
* Responsible for processing and booking of approved motorcycle loans.
* Submits Weekly and Monthly Booking Report to Documentation Officer.
* Responsible for the preparation of various certificates ( certificate of encumbrance/ certificate of mortgage)
* Responsible for the release of collateral documents of fully paid accounts.
* Responsible for the Reclassification of Motorcycle Accounts (from Regular Accounts to ROPA)
* Responsible for booking of ROPA accounts sold via installment basis
* Submits report on documentary deficiencies to Documentation Officer, Department Head and to Dealers
* Monitors documentary deficiencies for compliance
* Monitors submission of Original LTO OR/ CR from Motorcycle Dealership
* Prepares documents for notarization
* Prepares copy of Promissory Note for mailing to clients
* Acts as the contact person for inquiries of the status of each account
2007
-
2009
Robinsons Savings Bank
(Documentation Assistant- Car Loans)
DUTIES & RESPONSIBILITIES
Prepares/reviews loan documents of Auto loans based on the approved Credit Application in accordance with Bank policies and procedures.
Examines the documents submitted to ensure accuracy and compliance with existing underwriting standards.
Analyzes the underwriting summary findings and verifies messages and approval conditions.
Responsible for the release of collaterals of fully paid accounts.
Responsible for the preparation of various certificates ( certificate of encumbrance/ certificate of mortgage
Creates New Customer Information File on AS400
Responsible for processing & booking of approved auto loan on AS400.
Prepares Certification for LTO renewal / registration (per client’s request)
Prepares Cancellation of Chattel Mortgage for fully paid accounts
Releases Cancellation of Chattel Mortgage & Certificate of Registration to clients for fully paid accounts
Prepares weekly Report
Prepares copy of Promissory Note for mailing to clients
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.