Angelo San Diego
Calapan City, Oriental Mindoro
Work Preference
Summary
Seasoned Credit Officer with a 13-year track record in underwriting consumer auto and housing loans. Adept at building strong, trustworthy relationships with internal clients while guiding them through the credit evaluation process. Combines strong analytical skills with a customer-centric approach to ensure internal clients' goals and targets are met, at the same time adhering to the established internal credit policies.
Overview
16
16
years of professional experience
Work History
Credit Officer
Bank of the Philippine Islands
09.2016 - 09.2025
- Evaluated creditworthiness of potential borrowers using established policies, internal guidelines and standard practices, minimizing default risks.
- Facilitated timely decision-making on loan applications through clear communication with sales partners and prompt resolution of any queries or discrepancies.
- Reviewed and verified income, income documents and credit reports for each borrower.
- Mentored staff members and junior officers in best practices related to credit analysis, instilling a culture of accuracy and diligence within the team.
- Recommended approval or disapproval of auto and housing loan applications.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends to be able to cope with the dynamic and fast-paced industry.
- Assigned as Restructuring Officer of the Restructuring Task Force at the height of the COVID-19 pandemic to help and enable bank clients whose source of income were affected by the lockdowns to continue paying their loans at lighter terms. (June 2020 to April 2021)
- Assigned as Officer-in-charge of a remote office in Quezon City as part of the measures to spread out employees due to the COVID-19 pandemic. (January 2021 to September 2024)
Management Trainee (Officership Training Program)
Bank of the Philippine Islands
02.2016 - 08.2016
- Gained knowledge of company policies, protocols and processes.
- Strengthened leadership skills by overseeing projects and guiding team members towards successful outcomes.
- Improved management skills by participating in rigorous training programs and workshops.
Credit Associate
Bank of the Philippine Islands
09.2012 - 02.2016
- Screens new customer credit applications accessing based on existing databases.
- Conducts phone interviews and verified application to accurately asses credit and financial risks of potential clients.
- Analyzed creditworthiness of loan applicants based on submitted income documents, verified data and credit reports.
- Made decisions and recommendations based on analyzed data.
- Verified application and account details to
Account Assistant
The Real Bank (A Thrift Bank), Inc
06.2009 - 09.2012
- Maintained a rigorous and systematic monitoring of assigned commercial loan accounts.
- Communicated regularly with customers regarding account questions and issues.
- Prepared appropriate documentation and implementation for each client's loan account requests.
- Conducted basic evaluation including client site visits and analysis of submitted income documents for the preparation of recommendation for new commercial loan applications.
- Provided excellent customer service while handling various inquiries from clients, fostering strong client relationships.
Education
Bachelor of Science - Int'l Business & Entrepreneurial Management
San Beda College (now: San Beda University)
City Of Manila, Metro Manila 04.2001 -
Secondary Education -
Notre Dame of Greater Manila
Caloocan City, Metro Manila 04.2001 -
Primary Education -
Colegio De San Pascual Baylon
Obando, Bulacan 04.2001 -
Skills
Loan underwriting
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Credit Officer
Bank of the Philippine Islands
09.2016 - 09.2025
Management Trainee (Officership Training Program)
Bank of the Philippine Islands
02.2016 - 08.2016
Credit Associate
Bank of the Philippine Islands
09.2012 - 02.2016
Account Assistant
The Real Bank (A Thrift Bank), Inc
06.2009 - 09.2012
Bachelor of Science - Int'l Business & Entrepreneurial Management
San Beda College (now: San Beda University)
04.2001 -
Secondary Education -
Notre Dame of Greater Manila
04.2001 -
Primary Education -
Colegio De San Pascual Baylon
04.2001 -