Summary
Overview
Work History
Education
Skills
Personal Information
Additional Information
Timeline
Generic
Athenna Gatus

Athenna Gatus

Loan Account Officer
San Narciso

Summary

I am a goal-driven person who strives to overcome challenges in all areas of life. I am motivated by my passion, determination, and strong desire to achieve excellent results. As a responsible person, I can handle pressure while ensuring the quality and integrity of my work.

Overview

10
10
years of professional experience
14
14
years of post-secondary education
3
3
Languages

Work History

Loan Account Officer

SNR Bank (A Rural Bank)
02.2025 - Current
  • Shall analyze applicants financial status, credit, and property valuations to determine the feasibility of granting loans.
  • Shall explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Shall review promissory notes and discount statements prior to release.
  • Shall review collateral appraisal reports submitted by Inspector/Appraiser.
  • Shall review and conduct project visitation on projects financed by the bank.
  • Shall review background and credit investigation of applicants made by the Inspector/Appraiser.
  • Shall evaluate and approves credit investigation, inspection, and appraisal report.
  • Shall review contracts, registrations, and annotations of the collaterals.
  • Shall review and update credit and loan files to ensure complete documentation.
  • Shall compute payment schedules.
  • Shall stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
  • Shall work with clients to identify their financial goals and to find ways of reaching those goals.
  • Shall negotiate payment arrangements with customers who have delinquent loans.
  • Shall follow-up and set collection strategies of past due accounts.
  • Shall market bank products to individuals and firms, promoting bank services that may meet customers' needs.
  • Shall analyze potential loan markets and develop referral networks in order to locate prospects for loans.
  • Shall prepare credit documents and loan recommendations for new and existing clients.
  • Shall recommend internal credit rating, classifications, and allowance of losses and changes.



Loans Processor & File Custodian

SNR Bank
01.2022 - 01.2025
  • Company Overview: A Rural Bank
  • In-charge of all transactions in the system;
  • Processing of loan releases & renewals
  • Reclassification of loan accounts
  • Adjustment (waiving) of interest and penalties
  • Loan computation (payment in partial or full, renewal)
  • Maintain a record on all past due and litigation accounts what notices to be sent to borrowers.
  • Shall receive loan application of borrower.
  • Prepare debit and credit tickets regarding loan transactions.
  • Shall provide a summary of Life insurance certificates of the Borrowers.
  • Shall be responsible for POS and PETNET transactions
  • A Rural Bank

Teller & New Accounts Clerk

SNR Bank
11.2020 - 12.2021
  • Company Overview: A Rural Bank
  • Shall receive deposits and pay withdrawals arising from savings, earner savings deposit and time deposit transactions;
  • Shall issue official receipt for all payments receive covering cash and non-cash transactions;
  • Shall post deposits;
  • In-charged with the opening of new deposit accounts, screening of depositors and verifying of their complete required documents.
  • A Rural Bank

Loans Bookkeeper & File Custodian

SNR Bank
03.2017 - 11.2020
  • Company Overview: A Rural Bank
  • Shall be responsible for the keeping of the Subsidiary Loan Ledgers;
  • Shall prepare the necessary debit and credit tickets on maturing loans that are transferred to past due and other tickets affecting loans transaction (non-cash);
  • Shall receive loan application of borrower.
  • Shall compute loan releases and repayments.
  • Shall provide a summary of insurance certificates.
  • Shall prepare all reports and finished within the regulatory period
  • A Rural Bank

Accounting & Admin Department (Internship)

Philippine General Merchandising Corporation
11.2015 - 01.2016
  • Bank reconciliation
  • Filing and encoding of important documents

Education

Bachelor of Science in Business Administration - Major in Banking and Finance

Jose Rizal University (College)
01.2012 - 01.2016

Magsaysay Memorial College - undefined

Magsaysay Memorial College
01.2008 - 01.2012

Beddeng Mabangcal Elementary School - undefined

Beddeng Mabangcal Elementary School
01.2002 - 01.2008

Skills

  • Banking Knowledge & Financial Literacy
  • Process improvement
  • Computer Literate
  • Attention to Details
  • Communication and Collaboration
  • Self-motivated
  • Time management

Personal Information

  • Date of Birth: 08/25/95
  • Nationality: Filipino

Additional Information

Name: Mary Joy Bonifacio
Email Address: maryjoybonifacio@gmail.com

Contact Number: 09053247179


Name: Miljohn A. Fabie
Email Address: miljohnfabie@gmail.com

Contact Number: 09480717130


Name: Joy A. Labrador
Email Address: yoj_ainageba@yahoo.com

Contact Number: 09266453023


Timeline

Loan Account Officer

SNR Bank (A Rural Bank)
02.2025 - Current

Loans Processor & File Custodian

SNR Bank
01.2022 - 01.2025

Teller & New Accounts Clerk

SNR Bank
11.2020 - 12.2021

Loans Bookkeeper & File Custodian

SNR Bank
03.2017 - 11.2020

Accounting & Admin Department (Internship)

Philippine General Merchandising Corporation
11.2015 - 01.2016

Bachelor of Science in Business Administration - Major in Banking and Finance

Jose Rizal University (College)
01.2012 - 01.2016

Magsaysay Memorial College - undefined

Magsaysay Memorial College
01.2008 - 01.2012

Beddeng Mabangcal Elementary School - undefined

Beddeng Mabangcal Elementary School
01.2002 - 01.2008

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Athenna GatusLoan Account Officer