Benedict Jan Tabor Baloncio
Senior Manager ; Professor
Cagayan de Oro City
Summary
Accomplished business leader with a proven track record in portfolio management, sales, marketing, finance, and bank operations. Licensed professional teacher (LPT) with a Doctor of Management degree and over 15 years of experience in graduate and undergraduate education. Expertise in driving strategic initiatives, optimizing performance, and fostering organizational growth. Committed to leveraging diverse skills to deliver impactful results and enhance team effectiveness.
Overview
21
21
years of professional experience
2
2
Certifications
Work History
Senior Manager
Rizal Commercial Banking Corporation
08.2024 - Current
- Developed and executed a comprehensive sales plan to achieve target business volumes, aligning with the Retail Banking Group's overarching goals and the bank's performance objectives.
- Analyzed monthly performance data to refine sales strategies and ensure responsiveness to market dynamics.
- Monitored local market conditions and competitor activities to identify sales opportunities and inform strategic planning.
- Led customer base expansion efforts through targeted internal and external sales initiatives.
- Conducted client outreach, delivered persuasive sales presentations, and engaged in proactive sales activities to enhance account profitability and business growth.
- Actively solicited new accounts while deepening relationships with existing clients to foster long-term loyalty.
- Performed initial Know-Your-Client (KYC) procedures to ensure compliance and maintain high standards of customer onboarding.
- Coordinated with the service team to address the needs of top-tier accounts, ensuring prompt and efficient financial service delivery.
- Maintained strong client relationships by providing timely solutions to financial needs and inquiries.
- Provided sales coaching and mentoring to Business Relationship Officers, utilizing scorecard results to guide and improve their sales performance.
Professor
Capitol University
01.2024 - Current
- Spearheaded graduate-level courses in Philosophical Issues and Ethical Standard, Human Behavior in Management, Marketing Management and Management Information System at Capitol University Graduate School, enhancing students' critical thinking and ethical decision-making skills.
- Selected as a panel member and researcher adviser for academic evaluations, contributing to the university's commitment to scholarly excellence and research integrity.
- Committed to mentorship, providing personalized guidance to support graduate students' academic achievements and career aspirations.
- Fostered an inclusive classroom environment, promoting diversity and encouraging the exchange of ideas among students from varied backgrounds.
- Implemented innovative teaching strategies to maintain a rigorous academic atmosphere, ensuring a high level of student engagement and learning outcomes.
Assistant Professor
University of Science and Technology of the Southern Philippines
01.2017 - Current
- Specialized in financial management, capital budgeting, and investment analysis within the power systems engineering sector.
- Experienced in instructing graduate-level finance courses with a focus on quantitative financial modeling and strategic decision-making.
- Developed curriculum that integrates technical and managerial skills, preparing students for leadership roles in the power systems industry.
- Advised and mentored graduate students, promoting multidisciplinary collaboration and the achievement of program outcomes.
- Fostered a learning environment that emphasizes data-driven financial analysis, ethical business practices, and sustainable management.
- Committed to continuous learning and staying abreast of financial theories, tools, and industry trends pertinent to academia and the energy sector.
Senior Manager, Relationship Manager
Security Bank Corporation
10.2022 - 07.2024
- Collaborated with the Enterprise Risk Manager/Analyst to prepare and present credit proposals to the Bank's Credit Committee, ensuring thorough due diligence and a balanced risk perspective.
- Orchestrated internal and external deal coordination to foster strong client relationships, facilitating the smooth booking of new transactions.
- Maintained up-to-date knowledge of credit policies, contributing to their development and revision to ensure compliance with the Bank's standards and regulatory requirements.
- Benchmarked with other banks and networked with Account Officers to gather critical account information and industry practices, enhancing sector knowledge and banking practices awareness.
- Developed industry and product expertise to provide tailored banking solutions to clients, effectively cross-selling the bank's offerings to expand wallet share and cultivate new client relationships.
- Achieved a Year-To-Date (YTD) Average Daily Balance (ADB) of P4.291Bn and a YTD Net Revenue of P101.5MM, demonstrating strong financial performance and client portfolio management.
Senior Manager, Business Manager
Security Bank Corporation
11.2019 - 09.2022
- Managed branch operations to ensure profitability, overseeing market and business development within the designated area of responsibility.
- Led the team in delivering personalized and high-quality service to clients, enhancing customer satisfaction and loyalty.
- Streamlined branch efficiency across marketing, sales, administrative, and control functions.
- Exceeded 2020 Key Result Area (KRA) targets by achieving 118% of the P82MM Current Account Savings Account (CASA) Average Daily Balance (ADB) goal through fresh funds and new client acquisition.
- Successfully achieved 108% of the 2021 KRA objectives, demonstrating consistent performance and growth.
- Drove cross-selling initiatives and income generation, contributing to the branch's financial success.
- Uphold strict compliance with industry regulations and internal policies, ensuring a risk-averse operating environment.
- Fostered a culture of excellence in people management, leading to high team productivity and morale.
Branch Business Manager
Bank of the Philippines Island
04.2015 - 11.2019
- Managed client relationships within the business banking sector, ensuring high-quality service and support.
- Oversaw account maintenance for business clients, proactively addressing and fulfilling client needs.
- Drove portfolio growth in loans, deposits, and fee-based services through strategic initiatives.
- Implemented marketing and business plans to promote portfolio expansion and meet financial targets.
- Directed and developed subordinate managers, enhancing team performance and operational efficiency.
- Resolved complex issues escalated from operations, coordinating effectively with cross-functional departments.
Faculty, Part-Time
Xavier University - Ateneo de Cagayan
01.2009 - 01.2018
- Delivered comprehensive lectures on Marketing Management within the MBA program, emphasizing contemporary marketing strategies and practices.
- Instructed undergraduate courses in Banking and Finance, providing students with essential knowledge for careers in the financial services sector.
- Continuously updated and refined course syllabi and materials to ensure alignment with current industry trends and practices.
- Integrated professional experience as a textbook author into the curriculum, offering unique perspectives on digital transformation and consumer behavior in the Philippines.
Account Officer Consumer Lending Group
Sterling Bank of Asia
06.2014 - 03.2015
- Evaluated and processed loan applications within established guidelines to determine creditworthiness.
- Conducted in-depth interviews with applicants to assess financial status and eligibility for loans.
- Calculated and interpreted key financial ratios and metrics to inform lending decisions.
- Developed and recommended debt repayment strategies tailored to individual client needs.
- Made informed decisions on loan approvals and rejections, documenting and justifying outcomes.
- Prepared and finalized loan contracts, ensuring clients were fully aware of policies and restrictions.
- Consistently achieved a minimum of 18MM in monthly auto loan bookings, demonstrating strong sales acumen and commitment to targets.
Relationship Manager
Bank of Commerce
03.2013 - 06.2014
- Conducted comprehensive credit assessments for business unit loan proposals, ensuring fast, accurate, and impartial evaluations.
- Managed and nurtured client relationships, focusing on both retention and the acquisition of new business opportunities.
- Developed strategies for portfolio growth, successfully navigating a competitive market while maintaining high service standards.
Junior Assistant Manager
Metropolitan Bank and Trust Company
06.2008 - 04.2013
- Established a lending desk in the CARAGA region, successfully expanding the company's market presence.
- Managed client relationships, ensuring high levels of satisfaction and loyalty while fostering new business opportunities.
- Achieved portfolio growth by strategically navigating competitive markets, focusing on both acquisition and retention.
- Conducted comprehensive credit assessments of business loan proposals, ensuring fast, accurate, and impartial evaluations.
- Initiated and executed initial analysis and due diligence for credit facilities, streamlining the approval process.
Faculty, Part-Time
Father Saturnino Urios University
01.2011 - 01.2013
- Taught Marketing Management to MBA students, focusing on digital transformation and consumer behavior in the Philippine market.
- Delivered a comprehensive Banking and Finance curriculum to undergraduate students, emphasizing practical industry applications.
- Developed course materials that integrated real-world insights, preparing students for contemporary business challenges.
- Engaged in continuous curriculum development to ensure relevance and up-to-date knowledge in a rapidly evolving business landscape.
- Fostered a dynamic learning environment that encouraged critical thinking and application of theoretical concepts to practical scenarios.
Faculty, Part-Time
Saint Michael's College of Caraga
01.2011 - 01.2013
- Instructed undergraduate courses in Banking and Finance, ensuring comprehensive coverage of essential theories and practices.
- Developed and implemented engaging lesson plans that catered to diverse learning styles and academic needs.
- Delivered dynamic lectures that effectively communicated complex financial concepts to students.
- Assessed student performance through examinations, projects, and class participation, providing constructive feedback.
- Offered academic guidance and support to students, contributing to their personal and professional growth.
- Collaborated with faculty members to enhance the curriculum, integrating contemporary financial trends and case studies.
Customer Service Representative Branch Banking
Metropolitan Bank and Trust Company
06.2005 - 12.2007
- Served as Branch Teller, efficiently handling customer transactions and maintaining accurate records of all cash and check dealings.
- Performed duties of Clearing Clerk, ensuring timely processing of financial documents and adherence to compliance standards.
- Contributed to branch sales efforts by assisting with loan and deposit generation, enhancing customer relationships and financial product uptake.
- Addressed customer inquiries and issues, providing high-quality service and support to enhance client satisfaction and loyalty.
- Collaborated with branch staff to meet daily operational needs and deliver consistent service excellence.
- Maintained confidentiality of customer information, upholding the bank's privacy policies and regulatory requirements.
Education
Certificate of Teaching -
Valencia Colleges, Inc
Valencia, Bukidnon05-2025
DOCTOR OF MANAGEMENT -
Capitol University
Cagayan de Oro07-2024
MASTER IN BUSINESS ADMINISTRATION -
Xavier University - Ateneo De Cagayan
Cagayan de Oro City03-2010
BACHELOR OF SCIENCE IN BUSINESS MANAGEMENT -
Xavier University - Ateneo De Cagayan
Cagayan de Oro03-2005
Skills
Investment portfolio management
Confident speaking abilities
Data-driven decision making
Management consulting expertise
Team coordination
Quality management
Strategic planning
Productivity optimization
Affiliations
- Membership Chairperson, Rotary Club Cagayan de Oro Torch
- Learning and Development Chairperson, People Management Association of the Philippines (PMAP - CDO)
- Director, Capitol University Alumni Association, Inc.
- Past President, Oro Bankers, Inc
Certification
Unit Investment Trust Fund Certification Program, Trust Officers Association of the Philippines, Present
Timeline
Licensed Professional Teacher
09-2025
Unit Investment Trust Fund Certification Program, Trust Officers Association of the Philippines, Present
10-2024
Senior Manager
Rizal Commercial Banking Corporation
08.2024 - Current
Professor
Capitol University
01.2024 - Current
Senior Manager, Relationship Manager
Security Bank Corporation
10.2022 - 07.2024
Senior Manager, Business Manager
Security Bank Corporation
11.2019 - 09.2022
Assistant Professor
University of Science and Technology of the Southern Philippines
01.2017 - Current
Branch Business Manager
Bank of the Philippines Island
04.2015 - 11.2019
Account Officer Consumer Lending Group
Sterling Bank of Asia
06.2014 - 03.2015
Relationship Manager
Bank of Commerce
03.2013 - 06.2014
Faculty, Part-Time
Father Saturnino Urios University
01.2011 - 01.2013
Faculty, Part-Time
Saint Michael's College of Caraga
01.2011 - 01.2013
Faculty, Part-Time
Xavier University - Ateneo de Cagayan
01.2009 - 01.2018
Junior Assistant Manager
Metropolitan Bank and Trust Company
06.2008 - 04.2013
Customer Service Representative Branch Banking
Metropolitan Bank and Trust Company
06.2005 - 12.2007
Certificate of Teaching -
Valencia Colleges, Inc
DOCTOR OF MANAGEMENT -
Capitol University
MASTER IN BUSINESS ADMINISTRATION -
Xavier University - Ateneo De Cagayan
BACHELOR OF SCIENCE IN BUSINESS MANAGEMENT -
Xavier University - Ateneo De Cagayan