Dave Kroschave Peral
Area Business Manager
Sta. Barbara, Iloilo City
Summary
Dynamic Area Business Manager with a proven track record at BPI Direct Banko Inc., excelling in sales management and strategic planning. Achieved consistent revenue growth through effective competitor analysis and team collaboration. Skilled in training development and client relationship management, driving operational efficiency and enhancing team performance.
Overview
18
18
years of professional experience
4
4
Languages
Work History
Area Business Manager
BPI Direct Banko Inc., A Savings Bank
06.2020 - Current
- Exceed annual sales targets through proactive prospecting, effective pipeline management, analyzing market demands with greater emphasis with customer business seasonality's, competitor activities and adjusting strategies to consistently deliver 121% versus targets.
- Conducted regular business reviews with team members, identifying areas for improvement and growth opportunities to increase margin while minimizing cost.
- Minimizing losses in Non Performing Loans by keeping delinquency below 11% through proactively identifying strategies and areas for improvement in the collection.a
- Provided ongoing training for sales representatives in product knowledge, selling techniques, and account management skills.
- Improved operational efficiency by streamlining processes and implementing best practices across the team.
- Built collaborative internal relationships between departments such as marketing operations finance that supported achievement of shared objectives fostered positive working environment.
- Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
Branch Manager
BPI Direct Banko Inc., A Savings Bank
11.2018 - 06.2020
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Enhanced staff competency with regular coaching sessions.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Consulted customers to boost product sales and services.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
Credit Officer
BPI Direct Banko Inc., A Savings Bank
10.2017 - 10.2018
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for approval or deviation if nescessary.
- Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
Area Business Manager
First Consolidated Cooperative (FCCT)
02.2014 - 10.2014
- Conducted regular business reviews with team members, identifying areas for improvement and growth opportunities.
- Delivered consistent revenue growth by executing targeted marketing campaigns tailored to specific client needs.
- Maximized share holder retention rates by addressing concerns promptly and ensuring high levels of satisfaction throughout the sales process and collection processes.
- Meeting the standards set in Coop Pesos and PISO by the Cooperative Development Authority and Microfinance Council of the Philippines.
- Deliver the training requirements of personnel's under the area of coverage.
Head of Compliance and Internal Audit
First Consolidated Cooperative (FCCT)
02.2013 - 02.2014
- Maintained compliance efforts, reporting and audits.
- Reviews audit recommendation and regular audit reports.
- Played instrumental role in company-wide risk assessment efforts, supporting enhancements in business processes and controls.
Branch Manager
First Consolidated Cooperative (FCCT)
06.2009 - 02.2012
- Maintained friendly and professional client member interactions.
- Strengthened relationships with Micro Board, securing long-term partnerships and driving revenue growth.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community.
- Examined customer loan applications for loan approvals and denials.
- Review loan application submitted for approval.
Loan Officer
First Consolidated Cooperative (FCCT)
12.2008 - 06.2009
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with customers through high levels of customer service.
- Reviewed and processed customer loan proposals.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
Business Development Associate
First Consolidated Cooperative (FCCT)
02.2008 - 11.2008
- Developed proposals and presentations that effectively communicated the value of our solutions to potential clients to secure multiple loan applications.
- Maintained accurate records of all prospecting activities and effective lead tracking and follow-up efforts.
- Engaged communities to build business relationships.
- Contributed to annual sales targets by consistently meeting or exceeding individual performance goals across area of coverage.
Education
Bachelor of Science - Financial Management And Managerial Accounting
Colegion De Sta. Rita
Atienza Ave., San Carlos City, Negros Occidental 04.2001 -
Skills
Sales management
Accomplishments
1. Best Development Business 2008 - Awarded by FCCT
2. 2nd Runnerup Lowest PAR/NPL 2009 - National Confediration of Cooperatives (NATCCO)
3. Best Credit Officer 2017 - BPI Direct BanKo Inc., Regional Level
4. Best Collection team 2019 - BPI Direct Banko Inc.,
Regional Level
5. Best Credit Team 2019- BPI Direct Banko Inc.,
Regional Level , 3rd Bankwide
6. Best Sales Team 2019 - BPI Direct Banko Inc.
Regional Level
7. Best Area (Negros) 2021 - BPI Direct Banko Inc.
8. Best Area (West Visayas) 2022 - BPI Direct Banko Inc.
9. Best Area (West Visayas) 2023 - BPI Direct Banko Inc.
10. Excellence Awardee Top 1 2023 - BPI Direct Banko Inc.
10. Best Area (West Visayas) 2024 - BPI Direct Banko Inc.
11. Chairman's Award 2024 - BPI Direct Banko Inc.
Timeline
Area Business Manager
BPI Direct Banko Inc., A Savings Bank
06.2020 - Current
Branch Manager
BPI Direct Banko Inc., A Savings Bank
11.2018 - 06.2020
Credit Officer
BPI Direct Banko Inc., A Savings Bank
10.2017 - 10.2018
Area Business Manager
First Consolidated Cooperative (FCCT)
02.2014 - 10.2014
Head of Compliance and Internal Audit
First Consolidated Cooperative (FCCT)
02.2013 - 02.2014
Branch Manager
First Consolidated Cooperative (FCCT)
06.2009 - 02.2012
Loan Officer
First Consolidated Cooperative (FCCT)
12.2008 - 06.2009
Business Development Associate
First Consolidated Cooperative (FCCT)
02.2008 - 11.2008
Bachelor of Science - Financial Management And Managerial Accounting
Colegion De Sta. Rita
04.2001 -