FARRAH RAYRAY
BINAN
Summary
Dedicated and hardworking professional skilled in team leadership, training and development, as well as policy making and improvement. Implementation of programs and protocols. Offering to work both independently and as collaborative member of team to improve processes and meet organizational goals.
Overview
14
14
years of professional experience
Work History
PRE-BOOKING OFFICER
RCBC
TAGUIG
12.2023 - Current
- Responsible in completing all the pre-booking requirements of accounts for booking of home loan proceeds.
- Prepares loan documents of home loan approved accounts and schedule signing of the documents.
- Ensure adherence of submitted loan documents in accordance with bank's policies
- Coordinates and collaborates with internal and external source of accounts
- Check and review completeness and correctness of prepared home loan documents.
- Prepares memo approval of loan exception and/or deferment of any requirements that borrower cannot submit in time
COMPLIANCE CHECKING OFFICER
BDO UNIBANK INC.
MANDALUYONG
09.2019 - 07.2023
- Prepare loan documents of Commercial/Consumer Loans and Branch Loan products.
- Validates the completeness and accuracy of documentary requirements based on existing policies and guidelines of the Bank
- Coordinates with various units for matters concerning documentation issues
- Manage the department compliance of document deficiencies including the Deed of Undertaking/Collateral Compliance
MORTGAGE SUPPORT OFFICER
MAYBANK PHILIPPINES INC.
TAGUIG
11.2017 - 06.2019
- Conduct the post approval review of approved loan borrowers and compliance to existing credit policies and generate policy deviations report.
- Creating, suggesting marketing plans, and selling strategies to push product sales to generate business volumes and achieve bottom line revenues
- Act as Data Steward of the department to ensure that Customer Information File (CIF) are being maintain and proper Know your customer (KYC) is being followed in accordance with the Bank and BSP policies.
- Manage the department compliance of document deficiencies including the Deed of Undertaking/Collateral Compliance
- Supervises the implementation of loan transactions (booking, restructuring, reversals, pay off)
- Conduct assessment of the quality of evaluation conducted on delinquent or non-performing loans (NPL). Assist Loans Administration and Asset Quality Management in improving collection procedure to come up with accurate payment applications and corresponding reports.
- Responsible in handling and resolving case escalated from the Branches, email, and internal units, entertaining walk in clients
- Responsible in drafting replies in Internal Audit and BSP arranged the compliance requirements of the Department
- Act as Operational Risk Officer of the department, administer the Business Continuity Management and Operations Manual of the Department
MORTGAGE SUPPORT SPECIALIST
MAYBANK PHILIPPINES INC.
TAGUIG
07.2014 - 10.2017
- Pre-screening of borrower's documents and ensure that proper KYC is being followed. Ensure its completeness and proper validation conducted prior to endorsement for credit evaluation
- Assist Mortgage Account Officer in loan processing including coordination with loan borrowers and respective developers, brokers, and branches Administration of Credit Investigation (CI) and Appraisal requests
- Verified accuracy of all documentation prior to submission for final approval.
- Monitored daily activities of the loan processing team to ensure compliance with guidelines.
- Assisted customers in understanding the implications of different financing programs.
CREDIT INVESTIGATOR
MAYBANK PHILIPPINES INC.
TAGUIG
09.2010 - 06.2014
- Conduct and prepare reports on credit investigation through telephone verification, generates negative file information system checking, borrowing and non-borrowing account verification, trade checking, and employment verification.
- Reviewed customer financial statements and other relevant documents to assess creditworthiness.
- Researched industry trends and regulations to ensure compliance with applicable laws and standards.
- Sole credit investigator of housing loan unit
- First to establish credit investigation policies and guidelines
- Innovator of forms and process in Credit Investigation
CUSTOMER SERVICE REPRESENTATIVE
STANDARD CHARTERED BANK
MAKATI
05.2010 - 08.2024
- Assisted customers with product selection, ordering, billing, returns, exchanges and technical support.
- Provided excellent customer service to resolve customer complaints in a timely manner.
- Maintained detailed records of customer interactions, transactions and comments for future reference.
Education
Bachelor of Science - FINANCIAL MANAGEMENT
UNIVERSITY OF THE EAST
MANILA, PHILIPPINES04-2009
Skills
- Over Ten (10) years of experience in end to end home loan processing
- Four (4) years experience in loan documentation and compliance
- In depth knowledge in home loan bookings and after sales
- Knowledgeable in Credit Underwriting and Investigation on Home Loan
- Real Estate Mortgage and other loan collateral
- Accounts Analysis and Credit approval
- Marketing strategy in Home loan product
- Customer Service / Complaint handling
- Auditing and Quality assurance
- Experienced in Risk Management and Business Continuity Program
- Policy making and process improvement
Accomplishments
- Consistent top booker in home loans sales
- Team representative for new loan system planning to implementation
- Pioneered the foundation of housing loan unit of the Bank
- Innovator of forms and process flow to reduce the CIF discrepancies
- Sole credit investigator of housing loan unit
- First to establish credit investigation policies and guidelines
- Innovator of forms and process in Credit Investigation
Timeline
PRE-BOOKING OFFICER
RCBC
12.2023 - Current
COMPLIANCE CHECKING OFFICER
BDO UNIBANK INC.
09.2019 - 07.2023
MORTGAGE SUPPORT OFFICER
MAYBANK PHILIPPINES INC.
11.2017 - 06.2019
MORTGAGE SUPPORT SPECIALIST
MAYBANK PHILIPPINES INC.
07.2014 - 10.2017
CREDIT INVESTIGATOR
MAYBANK PHILIPPINES INC.
09.2010 - 06.2014
CUSTOMER SERVICE REPRESENTATIVE
STANDARD CHARTERED BANK
05.2010 - 08.2024
Bachelor of Science - FINANCIAL MANAGEMENT
UNIVERSITY OF THE EAST
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