Annabelle Yu Yong
Quezon City
Summary
Senior executive leader with track record of driving strategic initiatives and delivering impactful results. Adept at fostering team collaboration and navigating complex organizational challenges. Skilled in strategic planning, financial management, and operations oversight. Valued for reliability, adaptability, and results-oriented approach.
Overview
41
41
years of professional experience
4
4
Languages
Work History
Senior Vice President / Consumer Lending Division
Philippine Veterans Bank
01.2005 - 11.2025
- Drives the performance and KRA of Consumer Lending Division (CLD) by working side by side with the CLD Department Heads, Account Officers and Marketing Assistants as well as other Business Units of the Bank.
- Monitors and analyzes the loan portfolio performance to determine problematic areas and solutions to these areas.
- Establishes strategic tie-ups and alliances with developers and key distribution channels to ensure a steady inflow of business and in the process, contribute to the Bank’s profitable growth and stakeholder satisfaction.
- Overall management & supervision of the Consumer Lending Division that handles retail based loan such as but not limited to real estate, auto & private individual loan
- Markets loan products to high networth individuals and developers.
- Generates quality loan accounts through own contacts and networking.
- Establishes tie-ups with developers and other subdivision owners for buyer’s financing as well as contract-to-sell purchase.
- Develops a complete retail loan business plan with meaningful growth objectives in line with the vision and thrust of the Bank.
- Handles personally loans that are above 90 days past due
- Restructures past due loans worth salvaging, including those coming from the branches.
- Monitors Department Heads & Account Officers document deficiencies, specifically those in the Code II list.
- Attends ALCO and Mancom and reports weekly booking as well as market updates.
- Joins Executive Team Committee as an active business unit head
- Presents to the Credit Committee and the Board accounts that are for their approval.
First Vice President / Retail Banking Division Head
Philippine Veterans Bank
08.2001 - 12.2004
- Drives the performance and KRA of Consumer Lending Division (CLD) by working side by side with the CLD Department Heads, Account Officers and Marketing Assistants as well as other Business Units of the Bank.
- Monitors and analyzes the loan portfolio performance to determine problematic areas and solutions to these areas.
- Establishes strategic tie-ups and alliances with developers and key distribution channels to ensure a steady inflow of business and in the process, contribute to the Bank’s profitable growth and stakeholder satisfaction.
- Overall management & supervision of the Consumer Lending Division that handles retail based loan such as but not limited to real estate, auto & private individual loan
- Markets loan products to high networth individuals and developers.
- Generates quality loan accounts through own contacts and networking.
- Establishes tie-ups with developers and other subdivision owners for buyer’s financing as well as contract-to-sell purchase.
- Develops a complete retail loan business plan with meaningful growth objectives in line with the vision and thrust of the Bank.
- Handles personally loans that are above 90 days past due
- Restructures past due loans worth salvaging, including those coming from the branches.
- Monitors Department Heads & Account Officers document deficiencies, specifically those in the Code II list.
- Attends ALCO and Mancom and reports weekly booking as well as market updates.
- Joins Executive Team Committee as an active business unit head
- Presents to the Credit Committee and the Board accounts that are for their approval.
Vice President / Community Banking Head
Dao Heng Bank, Inc.
01.1999 - 06.2001
- Management and supervision of eight (8) Community Banking branches in the business area of funds generation and funds employment to retail based loans.
- Develop a complete retail loan (housing, auto and salary) business plan and a CASA deposit generation plan with meaningful growth objectives in line with the vision and thrust of the Bank.
- Organize and manage a professional and strong loan and deposit generation team of people to achieve the business plan.
- Instill a culture of (a) high quality customer service to ensure high competitive advantage in this area and (b) teamwork by promoting and encouraging cross selling of bank products.
- Improve loan product profitability through enhanced efficiency in account relationship management and appropriate pricing.
Assistant Vice President / Mortgage Banking Head
Dao Heng Bank, Inc.
01.1996 - 12.1998
- Management and supervision of eight (8) Community Banking branches in the business area of funds generation and funds employment to retail based loans.
- Develop a complete retail loan (housing, auto and salary) business plan and a CASA deposit generation plan with meaningful growth objectives in line with the vision and thrust of the Bank.
- Organize and manage a professional and strong loan and deposit generation team of people to achieve the business plan.
- Instill a culture of (a) high quality customer service to ensure high competitive advantage in this area and (b) teamwork by promoting and encouraging cross selling of bank products.
- Improve loan product profitability through enhanced efficiency in account relationship management and appropriate pricing.
Customer Relationship Manager
Citibank, N.A.
03.1993 - 01.1996
- Handling and servicing of high networth clients with deposits of at least US$100,000.00
- Solicitation of clients for Citigold Priority Banking with a goal of seven (7) new names per month at US$100,000 per name
- Grow existing portfolio by the desired KRA established at the start of each year.
Senior Assistant Manager
BPI Family Bank
01.1993 - 03.1993
- Overall management of Marketing Assistants in housing loan processing
- Tapping real estate developers for buyer’s financing
- In field solicitation of clients for loans for housing, business expansion, home improvement and lot purchase.
- Processing of loan accounts from application to loan release.
- Recommendation of loan accounts for approval to Management.
Assistant Manager
BPI Family Bank
04.1991 - 01.1993
- Overall management of Marketing Assistants in housing loan processing
- Tapping real estate developers for buyer’s financing
- In field solicitation of clients for loans for housing, business expansion, home improvement and lot purchase.
- Processing of loan accounts from application to loan release.
- Recommendation of loan accounts for approval to Management.
Administrative Assistant
BPI Family Bank
04.1989 - 04.1991
- Overall management of Marketing Assistants in housing loan processing
- Tapping real estate developers for buyer’s financing
- In field solicitation of clients for loans for housing, business expansion, home improvement and lot purchase.
- Processing of loan accounts from application to loan release.
- Recommendation of loan accounts for approval to Management.
Marketing Assistant
BPI Family Bank
08.1986 - 03.1989
- Overall management of Marketing Assistants in housing loan processing
- Tapping real estate developers for buyer’s financing
- In field solicitation of clients for loans for housing, business expansion, home improvement and lot purchase.
- Processing of loan accounts from application to loan release.
- Recommendation of loan accounts for approval to Management.
Business Development Assistant
BPI Family Bank
07.1984 - 08.1986
- In field solicitation of clients for all kinds of deposit products
- Handle big ticket accounts particularly the Chinese community
Education
Immaculate Conception Academy
San Juan City, Metro-ManilaBachelor of Science - Business Management
Ateneo de Manila University
Quezon City, Metro-Manila01.1984
Skills
Computer literate
Awards & Accomplishments
Outstanding Service Volunteer Award 2004 Philippine Veterans Bank, Citigold Account Officer of the Year 1994 Citibank, N.A. Philippines, Marketing Officer of the Year 1991 Bank of the Philippine Islands Excellence Awards, Most Orderly in Loan Implementation for the Year 1990 Mortgage Banking Department BPI Family Bank, Marketing Officer of the Year 1989 Bank of the Philippine Islands Excellence Awards, 3rd Place – Officership Training Program 1989 BPI Family Bank
Competencies
- Business and financial acumen
- Motivational fit
- Effective presentation
- Customer communication, interaction and persuasion skills
- Execution
- Major operational decision-making
- Customer orientation
- Analytical thinking
- Problem-solving
- Coaching and developing others
- Resourcefulness
Timeline
Senior Vice President / Consumer Lending Division
Philippine Veterans Bank
01.2005 - 11.2025
First Vice President / Retail Banking Division Head
Philippine Veterans Bank
08.2001 - 12.2004
Vice President / Community Banking Head
Dao Heng Bank, Inc.
01.1999 - 06.2001
Assistant Vice President / Mortgage Banking Head
Dao Heng Bank, Inc.
01.1996 - 12.1998
Customer Relationship Manager
Citibank, N.A.
03.1993 - 01.1996
Senior Assistant Manager
BPI Family Bank
01.1993 - 03.1993
Assistant Manager
BPI Family Bank
04.1991 - 01.1993
Administrative Assistant
BPI Family Bank
04.1989 - 04.1991
Marketing Assistant
BPI Family Bank
08.1986 - 03.1989
Business Development Assistant
BPI Family Bank
07.1984 - 08.1986
Bachelor of Science - Business Management
Ateneo de Manila University
Immaculate Conception Academy