Aivy SIAZON
Calauag
Summary
Accomplished Enterprise Risk Manager - Credit Officer and Credit Analyst with a proven track record at Security Bank Corporation and other reputable institutions. Expert in financial statement analysis and credit decision-making, demonstrating exceptional due diligence and information verification skills. Recognized for enhancing credit evaluation processes and significantly improving loan documentation accuracy. Collaborates effectively across teams to mitigate risk and optimize credit quality.
Overview
5
5
years of professional experience
Work History
Enterprise Risk Manager - Credit Officer
Security Bank Corporation
Makati
11.2022 - 03.2023
- Responsible for Independent Credit Evaluation of loan proposals and Credit Requests
- Responsible for the recommendation of credit proposals to enable decision-makers
- Presented credit reports, providing essential information/data to Credit Committee and Sub Credit Committee
- Conduct client calls and plant visits for the evaluation of the proposed loan
- Analyzed financial statements, cash flow projections and other credit information to assess client's creditworthiness
- Conducted detailed reviews of borrower's financials, including income and asset documentation, property appraisals and title reports
- Analyzed credit history including payment patterns, bankruptcies, liens and judgements to assess risk level
- Evaluated loan applications, assessed collateral requirements and approved credits in accordance with established guidelines
- Evaluated existing portfolios by analyzing delinquency trends, identifying opportunities for improvement and recommending strategies for mitigating losses
- Reviewed loan documents to ensure accuracy in terms of collateral value, debt structure and repayment capacity
- Prepared detailed reports outlining findings from account reviews, including recommendations regarding loan modifications or restructuring when necessary
Credit Analyst
Bank of the Philippine Islands
Makati
05.2018 - 10.2022
- Credit Analyst of business loan applications (Small Medium Enterprises)
- Designated Credit Analyst handling loan requirements of Private Banking clients of the bank
- Designated Credit Analyst handling loan requirements of Off-the-shelf Product (Fast Product of SME with 3 days of TAT)
- Mainly responsible for credit review and evaluation of the borrower's payment capacity while ensuring that credit evaluation on the proposed credit facilities and purpose of the borrowers are conformity with the Bank's credit guidelines, policy and standards for credit quality and TAT
- Fulfilled standard processing of accounts by ensuring completion of requirements per account, credit verification via various procedure and database exclusively utilized by the bank
- Conducted due diligence reviews of corporate borrower's financial information
- Conducting bank verification from the banks (for suspicious submitted working account)
- Provided credit information to Credit officers to fulfill information requests
- Performed credit analysis and administrative duties to support credit function
- Analyzed data to verify information and check for fraud
- Collaborated with internal teams such as Compliance, Risk Management and Legal departments when needed
- Awarded with certificated for being the Top, Creating an initiatives to enhance and standardized the existing process
- Participated in mandated trainings and suggested trainings shouldered by the bank
Credit Analyst
Primover Consultancy Services Inc. / ABS - CBN Convergence
Quezon City
10.2017 - 03.2018
- Responsible for credit evaluation of new postpaid line applications and in sending daily report on the result of validation and activation.
- Performs post validation to ensure all approved applications complies with the credit policy.
- Ensure that validation processing complies with the company's approved credit policies and procedures for postpaid order management.
- Ensure that applications are processed on agreed SLA and others (like billing and collection)
Education
Bachelor of Science in Business Administration - Marketing Management
Holy Child Jesus College
Gumaca, Quezon Province05-2017
Bachelor of Science - Accountancy
Southern Luzon State University
Gumaca, Quezon Province03-2014
High School Diploma -
Calauag Central College
Calauag, Quezon Province04-2013
Calauag East Central School
Calauag, Quezon Province04-2009
Skills
- Loan documentation and policies
- Credit decision making
- Loan evaluation
- Information verification
- Financial statement analysis
- Underwriting
- Credit scoring
- Credit monitoring
References
References available upon request.
Timeline
Enterprise Risk Manager - Credit Officer
Security Bank Corporation
11.2022 - 03.2023
Credit Analyst
Bank of the Philippine Islands
05.2018 - 10.2022
Credit Analyst
Primover Consultancy Services Inc. / ABS - CBN Convergence
10.2017 - 03.2018
Bachelor of Science in Business Administration - Marketing Management
Holy Child Jesus College
Bachelor of Science - Accountancy
Southern Luzon State University
High School Diploma -
Calauag Central College
Calauag East Central School
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