EMIL FRANCIS FLORO
Meycauayan
Summary
- Experienced Credit Officer knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
- Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
- Trained for entry-level management leadership.
Overview
13
13
years of professional experience
Work History
Senior Shared Service Officer
Unionbank of the Philippines
01.2016 - Current
- Acts as checker, endorser/approver of retail loans recommended by the Shared Services Officer
- Ensures that the approved applications are within the Bank’s Credit Policy guidelines
- Ensures that exceptions/risk areas are fully disclosed and mitigated
- Coordinates with the Business unit and various support units (Credit Investigation, Credit Appraisal, and Loan Operations)
- Manages Shared services officers and staff and ensures that the bank’s requirements are carried out
- Can be assigned other tasks to achieve team goals
- Reviews and approves requests from existing cardholders for credit limit increase up to board delegated credit authority limit
- Reviews and approves requests for reactivation of voluntary closed credit card accounts
- Reviews and approves request for change in customer information (name, date of birth, addresses)
- Reviews and approves requests for credit card re-issuance of purged and non-renewed cards
- Assists Team Leader in ensuring compliance to the Service Level Agreement (SLA) and KPIS (Key Performance Indicator)
Associate Operations Risk Junior Officer
Unionbank of the Philippines
03.2013 - 01.2016
- Assists in the review/update/revise the Operational Risk Management Framework, as necessary, to keep abreast of the latest developments in Operational Risk Management and ensure compliance with Basel and Bangko Sentral ng Pilipinas (BSP) requirements
- Assists in the review/update/revise the different Operational Risk Management tools (i.e., Risk and Control Self Assessment (RCSA), Key Risk Indicator (KRI), Loss Event Database (LED), as necessary, to ensure that the Bank manages its operational risks appropriately (i.e., identified, measured, controlled, reported and monitored)
- Performs risk assessment/analysis of the result of the implemented operational risk management tools to identify the Bank’s operational risk exposures
- Conducts review and risk assessment of policies and procedures to guide the Bank in incorporating operational risk management disciplines in their daily processes
- Prepares/develops training materials/risk awareness program (e.g., e-learning modules, broadcast materials, focus group discussion, trainings, seminars) to institutionalize a risk conscious environment
- Prepares and consolidates summary of implemented Operational Risk Management tools for reporting to the Risk Management Review Committee (RMRC) and Operational Risk Management Committee (ORMC)
- Coordinates with the different units of the Bank on the status of the implemented Operational Risk Management tools (i.e., RCSA, KRI)
- Liaises with other units of the Bank on their operational risk management plans, risk assessments, and practices involving polices and processes
- Performs other tasks and special projects as may be assigned by the Operational Risk Management Unit Head/Process Risk Team Head/Operational Risk Data Analysis Team Head/Senior Operational Risk Policy Officer
- Proposes/recommends policies and procedure to Business Units that will improve processes without compromising operational risks.
Anti - Fraud Junior Officer
Unionbank of the Philippines
03.2011 - 03.2013
- Ensures the following reports are thoroughly reviewed: ATM Transactions, POS Transactions, VISA-Plus Transactions, and Electronic Funds Transfers
- Reviews transactions done in High-Risk Countries identified by the BANK, VISA, or any other source of information
- Performs transaction verification with cardholders via call-out, SMS notification, or e-mail, as necessary
- Blocks a card if a fraudulent pattern is suspected or confirmed directly with the client
- Prepares daily, weekly and monthly monitoring reports that track individual performance as well as error-related incidences.
Education
Bachelor of Science in Business Administration - Major in Export Management
DE LA SALLE - COLLEGE OF SAINT BENILDE
09.2010
Skills
- Written and verbal communication
- Collaboration and Teamwork
- Attention to Detail
- Problem-Solving
- Document Management
- Workflow Management
- Program coordination
Training
- 2016, BUSINESS IMPACT ANALYSIS AND RISK CONTROL SELF ASSESSMENT WORKSHOP, Apex Global
- 2015, BUSINESS CONTINUITY MANAGEMENT PRACTITIONER, Apex Global
- 2015, AML RULES AND REGUALTIONS, AND AML RISK RATING SYSTEM, Anti-Money Laudering Council
- 2014, BSP COMPLIANCE, TRUST AND GOVERNANCE RATING SYSTEMS, Bankers Institute of the Philippines
- 2014, ADVANCED ENTERPRISE AND OPERATIONAL RISK MANAGEMENT PROGRAM, Bankers Institute of the Philippines
- BUSINESS IMPACT ANALYSIS TRAINING, Neville Clarke Philippines
- CREATIVITY AND INNOVATION SEMINAR, Disney Institute
Timeline
Senior Shared Service Officer
Unionbank of the Philippines
01.2016 - Current
Associate Operations Risk Junior Officer
Unionbank of the Philippines
03.2013 - 01.2016
Anti - Fraud Junior Officer
Unionbank of the Philippines
03.2011 - 03.2013
Bachelor of Science in Business Administration - Major in Export Management
DE LA SALLE - COLLEGE OF SAINT BENILDE
Similar Profiles
LEIGH FAUSTINE A. MANANGHAYALEIGH FAUSTINE A. MANANGHAYA
Compliance AML Execution Analyst 2 at Unionbank of the PhilippinesCompliance AML Execution Analyst 2 at Unionbank of the Philippines
JOHN PHILIP VIOLAJOHN PHILIP VIOLA
Customer Service Officer and Digital Engagement Officer at UNIONBANK OF THE PHILIPPINESCustomer Service Officer and Digital Engagement Officer at UNIONBANK OF THE PHILIPPINES
JULIET VERCELESJULIET VERCELES
Branch Manager at Unionbank of the PhilippinesBranch Manager at Unionbank of the Philippines