Ernie Francis Sastado
Finance Professional Banking And Finance Associate Credit And Risk Analyst Credit Investigation And Appraisal Specialist
Ibaan, Province of Batangas,BTG
Summary
"I have professional experience in the finance and cooperative sector, with a background in credit appraisal, investigation, loan processing, and teller operations. I previously worked as a Marketing Staff at Ibaan Market Vendors & Community Multi-Purpose Cooperative, where I handled teller duties, collections, credit investigations, and collateral documentation. Currently, I am a Credit Appraisal and Investigation Unit Associate, responsible for evaluating loan applications, conducting background checks, and preparing credit reports. I have strong skills in financial analysis, customer service, and administrative support, and I am adaptable to both onsite and remote work setups."
Overview
4
4
years of professional experience
Work History
Credit Appraisal and Investigation Unit Associate
Mount Carmel Rural Bank
07.2025 - Current
- Conducts credit investigations and background checks to assess applicants’ financial capacity and character.
- Evaluates loan and credit applications in compliance with company policies and risk management guidelines.
- Analyzes financial data, employment history, and collateral documents to determine creditworthiness.
- Prepares detailed credit reports and recommendations for management review and loan approval.
- Coordinates with clients, banks, and other institutions to validate submitted information.
- Ensures accuracy, confidentiality, and compliance in all credit appraisal and investigation processes.
Marketing Staff Member
Ibaan Market Vendors & Community Multi-Purpose Cooperative
06.2021 - 06.2025
- erformed duties as a teller, handling daily cash transactions, deposits, withdrawals, and payments.
- Worked as a collector, ensuring accurate and timely collection of loan repayments from members.
- Conducted credit investigations (CI) to assess members’ eligibility and repayment capacity.
- Acted as a liaison with the Registry of Deeds, processing land/property documents used as loan collateral.
- Assisted members with loan applications, savings accounts, and other cooperative services.
- Maintained accurate records of financial transactions while ensuring confidentiality and compliance with cooperative policies.
Education
Bachelor of Science - B.S Criminology
Our Lady of Lourdes Technological College
Nagkaisang Nayon, Philippines 04.2001 -
Skills
Credit Appraisal & Investigation
Loan Processing & Evaluation
Creditworthiness Assessment
Collateral Verification & Documentation
Cash Handling & Collection Management
Teller Operations & Account Transactions
Report Preparation & Financial Documentation
Data Entry & Records Management
Customer Account & Client Service Support
Registry of Deeds Liaison (Collateral Registration)
Proficient in MS Office (Word, Excel, PowerPoint)
Email & Online Communication Tools (Gmail, Outlook, Zoom, Google Workspace)
Virtual Assistance & Remote Collaboration
Reading finance and business articles Learning new software and digital tools Online research and
- Reading finance and business articles to stay updated on industry trends and financial literacy.
- Learning new software and digital tools to improve productivity and adaptability in different work environments.
- Conducting online research to develop knowledge, enhance problem-solving, and support continuous learning.
Timeline
Credit Appraisal and Investigation Unit Associate
Mount Carmel Rural Bank
07.2025 - Current
Marketing Staff Member
Ibaan Market Vendors & Community Multi-Purpose Cooperative
06.2021 - 06.2025
Bachelor of Science - B.S Criminology
Our Lady of Lourdes Technological College
04.2001 -