Barbylee C Floro
Meycauayan Bulacan
Summary
Experienced Credit Evaluator with over 10 years in the Credit Card industry. Excel in resolving problems, improving customer satisfaction, and driving overall operational improvements. Skilled at working independently under tight deadlines. Trained for entry-level management. Goal-oriented and multi-tasker. Efficient team leader and focused on achieving committed service levels.
Overview
2026
2026
years of professional experience
Work History
Credit Manager
Bank of the Philippine Islands
Senator Gil Puyat Makati City
12.2024 - Current
- Overseeing the credit initiation process, ensuring efficient and effective management of credit analysis and risk assessment for credit card applicants.
- Lead and manage a team of credit analysts, providing guidance, training, and performance evaluations
- Oversee the day-to-day load assignment of credit analysts, ensuring balanced workloads and timely processing of credit applications.
- Identify opportunities for process improvements in the credit initiation workflow to enhance turnaround times and accuracy.
- Ensure that the credit initiation process is customer-centric, aiming to improve applicant experience while maintaining risk management standards
- Act as a liaison between credit initiation and other departments to foster effective communication and collaboration.
- Address any issues or escalations related to credit applications effectively and promptly.
Delegated Lending Officer
Bank Of The Philippine Islands
06.2022 - Current
- Approves credit card application up to P400k
- Overseeing the day-to-day operations, monitoring capacity and productivity, generating reports, and assisting with application reallocation. Implementing strategies to ensure smooth operations.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Managing the preferred segment to increase the chances of securing higher approval for credit offerings.
- Supervising the prioritization of various channels to effectively communicate with credit officers.
Evaluation Officer/Approver - Cards Evaluation Unit
Robinsons Bank Corporation
02.2017 - 05.2022
- Approves credit card application up to P300k
- Team Leader for Evaluation Staff and Officers
- Oversees the documentation team
- Monthly uploading of TransUnion distribution files of the Bank
- Monthly uploading and downloading Blacklist Management System data
- Investigated and addressed system issues to enhance usability and improve functionality for Card System
- Resolved or escalated problem tickets on Card System to resolve user issues
- Established specifications and coordinated production with software programmers
- Performed system analysis, documentation, testing, implementation, and user support for platform transitions for Card System
- Collected data and performed trend and variance analysis for the department
- Prepared, sorted, and distributed data reports to specific programs
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents
- Made decisions and recommendations about extending lines of credit
- Produced tables, pivot reports, and charts for use in key decision-making processes
- Trained, coached, and mentored staff to ensure smooth adoption of new Card Acquisition Program.
Evaluation Officer - New Card Applications Unit
Asia United Bank
07.2014 - 01.2017
- Alternate representative of Credit Card Association of Philippines (CCAP)
- Act as Team Leader for Evaluation Officers
- Point Person/Coordinator handling Card Systems with IT and other Unit
- Successfully tested and implemented the CCAP-BAP Credit bureau consolidated canceled credit card (C4) (Reporting, connectivity, formatting, submission & downloading)
- Decides on credit card applications based on existing bank policies, established guidelines, industry standards & regulatory requirements
- Approves card applications based on delegated approving authority
- Recommends card approvals and denials based on customer application documents
- Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information
- Detects and identifies fraudulent and possible fraudulent card applications and endorse for proper fraud handling
- Ensures compliance with agreed service levels
- Complies with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering and OFAC
- Maintains strict confidentiality of bank records and client information
- Recommends and implements cards risk process improvements, as follows: System Enhancement, Credit Process, Fraud handling for New Applications and New Card Applications Policy
- Maintains a statistical MIS assigned by the Team Leader or Unit Head
- No fraudulent applications approved
- Maintains friendly and professional customer interactions.
Associate Risk Officer - Credit Card Risk Management
Unionbank of the Philippines
03.2013 - 06.2014
- Associate Credit Card Risk Officer essentially similar to those described in the above position at Asia United Bank
- Additionally, knowledge of principles and processes for providing customer and personal services
- This includes customer needs assessment and meeting quality standards for services
- Justified decisions (approvals/rejections) and reported on senior management
- Completed loan contracts based on policies and restrictions of the management
- Proactively identified solutions for customers experiencing credit issues.
Associate Risk Officer - Anti Fraud Unit
Unionbank of the Philippines
09.2011 - 03.2013
- Monitored and investigated the suspicious activity and report to management immediately
- Performed fraud investigations and submit reports to the concerned manager
- Created and implemented preventive measures to stop frauds
- Managed and prioritized a large and varied caseload effectively and efficiently to achieve positive results
- Performed issue resolution and decision-making related to fraud detection activities.
Credit Manager
Bank Of The Philippine Islands
Education
Bachelor of Science of Hotel and Restaurant Management -
La Consolacion College Caloocan
Caloocan CitySkills
- Achievement/Effort - Establishing and maintaining personally challenging achievement goals and exerting effort toward mastering task
- Positive Attitude
- People-oriented
- Flexible
- Team player
- Service-Oriented actively looking for ways to address problems
- Monitoring/Assessing performance
- Instructing - Teaching others how to do certain tasks
- Learning Strategies- Selecting and using training/instructional methods and procedures appropriate for the situation when learning new things
- System Analysis - Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes
Accomplishments
- Received "Top Overall Performance Ranking- Anti Fraud Unit" award in [June, August, September and December 2011] [January, April, May, July, August, October, November and December 2012]
- Top Total Processed Application of Credit card for the year 2015 with 34.68% vs 30% standard
References
- Mr. Alvin Fernandez, Credit and Finance Department Head, Philippine National Bank, 09228374841
- Mr. Ron James Ditching, Corporate cards and Special Channel Manager, Consumer Lending Group, BDO Unibank, Inc, 09173215394
- Ms. Edhel Salac, Credit Operations Head, Unionbank of the Philippines, 09989715117
Timeline
Credit Manager
Bank of the Philippine Islands
12.2024 - Current
Delegated Lending Officer
Bank Of The Philippine Islands
06.2022 - Current
Evaluation Officer/Approver - Cards Evaluation Unit
Robinsons Bank Corporation
02.2017 - 05.2022
Evaluation Officer - New Card Applications Unit
Asia United Bank
07.2014 - 01.2017
Associate Risk Officer - Credit Card Risk Management
Unionbank of the Philippines
03.2013 - 06.2014
Associate Risk Officer - Anti Fraud Unit
Unionbank of the Philippines
09.2011 - 03.2013
Bachelor of Science of Hotel and Restaurant Management -
La Consolacion College Caloocan
Credit Manager
Bank Of The Philippine Islands