CRISOSTOMO KING N. MALAPO
Credit Officer
Iriga City
Summary
- To be a part of fast growing company which offers continues opportunity for an excellent career development and to bring out the best of my potentials for the glory of God and for the benefits of my employer, the community and myself in preparations for the future advancement to the top management.
- Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability.
- Highly qualified and results-driven professional, demonstrating solid interpersonal communication and problem solving skills. Adept at providing exemplary customer service, coaching and mentoring employees or staffs, and achieving all company goals and objectives, Energetic and goal-oriented with an impressive performance record and well-rounded background in optimizing employee performance. Currently seeking for a position which will utilize all skills, abilities, and areas of expertise as follows
- Clients Service
- Data Entry/Accuracy
- Administrative Support
- Strategic Negotiation
- Team Building/Leadership
- Target oriented
- Team Collaboration
- Performance Evaluation
- Problem Solving
- Staff Training/Coaching
Overview
15
15
years of professional experience
13
13
years of post-secondary education
Work History
Credit Officer
BPI Direct BanKO INC.
Legazpi, Albay
12.2017 - Current
- Recommended approval or disapproval of each borrower.
- Organized and finalized loan applications for underwriter review.
- Checked appraisals, business information and documents for each borrower.
- Analyzed applicants' financial income status and credit outstanding evaluations to determine loan feasibility.
- Reviewed and verified income, credit reports and business histories for each borrower.
- Reduced past due balances and bad debt by coordinating collection efforts to sales team.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
Branch Manager
Microventure Philippines Financing Company INC. (Onepuhunan)
San Jose, Batangas
03.2015 - 07.2017
- Assessed employee performance and developed improvement plans.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Maintained friendly and professional customer interactions.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Consulted customers to boost product sales and services.
- Resolved various issues impacting sales management and business operations.
Acting Branch Manager
ASA Philippines Fondation INC.
Baybay, Leyte
06.2010 - 03.2015
- Boosted sales and customer loyalty through incentive programs.
- Created strategies to develop and expand existing customer sales, resulting in increase in monthly sales.
- Assessed employee performance and developed improvement plans.
- Examined customer loan applications for loan approvals and denials.
MIS Clerk
Everwing Enterprises (Games and Gadget)
Cubao, Metro Manila
10.2009 - 05.2010
- Provided quality clerical support through data entry, document management, email correspondence, and overseeing operation of office equipment.
- Monitored office supplies and made arrangements for restocking of low-stock items.
- Reduced errors in data entry by carefully inputting information into computer systems with attention to detail.
- Managed incoming calls professionally, directing callers to appropriate personnel or taking detailed messages when necessary.
Service Crew
Broadway Foods Corp. (Burger Machine)
Iriga City
11.2008 - 07.2009
- Managed cash transactions accurately, ensuring proper balances at the end of each shift.
- Collaborated with team members to achieve performance goals consistently each month.
- Provided knowledgeable product recommendations based on individual customer needs, increasing overall satisfaction levels.
- Enhanced customer satisfaction by addressing and resolving complaints in a timely manner.
Education
Primary -
Iriga Central School
San Roque, Iriga City 06.1994 - 03.2000
Secondary -
University of Saint Anthony
San Miguel, Iriga City 07.2000 - 01.2004
Some College (No Degree) -
University of Saint Anthony
San Miguel, Iriga City 07.2004 - 04.2008
Skills
Credit validations
Personal Particular
12/13/87, San Francisco, Iriga City Bicol, 36, King, Male, Married, Iglesia Ni Cristo, Filipino, 5'4", 66kg, William S. Malapo Sr., Bed Ridden, Magdalena N. Malapo, Housewife
Applicant Name
CRISOSTOMO KING N. MALAPO
References
- Elaine Rose Sandoval Bautista, MicroVentures Phils. Financing Company INC. (Onepuhunan), Human Resources - Calabarzon 2, 09989648738
- Ronnie Lancetas, BPI Direct BanKO INC., Senior Credit Officer - South Luzon (Bicol), 09267452656
Disclaimer
I hereby certify that the above information are true and correct to the best of my knowledge and belief.
Timeline
Credit Officer
BPI Direct BanKO INC.
12.2017 - Current
Branch Manager
Microventure Philippines Financing Company INC. (Onepuhunan)
03.2015 - 07.2017
Acting Branch Manager
ASA Philippines Fondation INC.
06.2010 - 03.2015
MIS Clerk
Everwing Enterprises (Games and Gadget)
10.2009 - 05.2010
Service Crew
Broadway Foods Corp. (Burger Machine)
11.2008 - 07.2009
Some College (No Degree) -
University of Saint Anthony
07.2004 - 04.2008
Secondary -
University of Saint Anthony
07.2000 - 01.2004
Primary -
Iriga Central School
06.1994 - 03.2000
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