Felizardo Fajardo Jr.
Quezon, Province of Batangas,BTG
Summary
Analytical Risk Officer skilled in credit risk monitoring, Expected Credit Loss (ECL) analysis, and counterparty risk management. Transitioned from Junior Data Analyst, leveraging expertise in SQL, Python, and Power BI to optimise risk analytics and reporting processes within banking. Proven ability to support data-driven decision-making through effective portfolio reporting.
Overview
7
7
years of professional experience
Work History
Risk Officer
Eastwest Banking
Taguig, Metro Manila, Philippines
01.2024 - Current
- Monitor Expected Credit Loss (ECL) for Mortgage Loans and perform analysis on Consumer Loan portfolios to support credit risk assessment and provisioning
- Interpreted and reviewed mortgage borrower credit scoring results for credit risk assessment and monitoring, enhancing understanding of borrower profilesManage Expected Credit Loss (ECL) analysis for the Corporate Banking Group portfolio, as well as Treasury and Investments, ensuring accuracy and alignment with regulatory standards
- Evaluated creditworthiness and monitored portfolio performance to ensure financial stability.
- Perform portfolio and borrower-level credit analysis to identify risk trends, deterioration indicators, and concentration risks
- Prepared monthly Risk Management Committee report on bank-wide credit risk, providing insights for strategic decision-making
- Oversee daily bank-wide counterparty limit monitoring, acting as the report owner to ensure adherence to internal limits and risk appetite
- Provide support in market risk reporting, with involvement in the banking and trading books for both the bank and the trust department
- Use of Power BI to improve the presentation and analysis of credit risk data, enhancing reporting efficiency and insight generation
- Support the tagging and monitoring of corporate clients according to the Sustainable Finance Taxonomy Guidelines (SFTG), assisting in the alignment of the bank’s portfolio with sustainability goals
- Monitored environmental & social (E&S) risks to reinforce the bank’s commitment to responsible and sustainable finance practices, ensuring compliance with sustainability objectives.
- Completed training on the assessment and application of internal risk rating systems for corporate borrowers
- Support the interpretation and review of mortgage borrower credit scoring results for credit risk assessment and monitoring
Management Trainee - Finance
Eastwest Banking
Taguig, Metro Manila, Philippines
06.2023 - 12.2023
- Studied Risk Management as part of the Management Development Program at the University of Asia and the Pacific.
- Rotated across various business units, gaining a comprehensive understanding of the bank's operations, with a focus on back-office functions.
Junior Data Analyst
International Shareholder Services
Makati City, Metro Manila, Philippines (Remote)
01.2022 - 06.2022
- Supported the proxy research process by reviewing and analyzing Annual General Meetings (AGMs) of publicly listed companies, both local and international
- Assessed company disclosures, resolutions, and governance practices based on ISS guidelines
- Contributed to data accuracy and report generation during peak seasons under tight deadlines
- Gained exposure to SQL through tasks involving data queries and basic validation
OJT
ADB-EMC (Asian Development Bank, Employee’s Multipurpose Cooperative)
Mandaluyong City, Metro Manila, Philippines
06.2019 - 11.2019
- Assisted in processing employee loan applications by organizing and verifying submitted requirements
- Reviewed supporting documents for accuracy and completeness before endorsement
- Helped manage store inventory by updating records, monitoring stock levels, and coordinating with staff for restocking
- Supported day-to-day admin tasks, such as scanning, filing, and sorting documents
- Interacted with members and staff to address basic inquiries and facilitate transactions smoothly
- Gained hands-on experience in cooperative operations, from basic financial processing to inventory control and customer service
Education
Bachelor of Arts - Industrial Engineering
University of Santo Tomas
ManilaBachelor of Science - Industrial Engineering
University of Santo Tomas
ManilaSkills
- Credit Risk Management
- ECL analysis
- Counterparty Risk Monitoring
- Financial Analysis
- Financial Reporting
- Corporate Finance
- Portfolio Risk Analysis
- Market Risk Reporting
- Risk Analytics
- ESG risk monitoring
Risk & Finance
- Microsoft Power BI
- SQL
- Microsoft Excel
- Data Visualization
- Exploratory Data Analysis
- Data Analytics
- Dashboard Development
- Report Automation
- Analytical Skills
Technical skills
Timeline
Risk Officer
Eastwest Banking
01.2024 - Current
Management Trainee - Finance
Eastwest Banking
06.2023 - 12.2023
Junior Data Analyst
International Shareholder Services
01.2022 - 06.2022
OJT
ADB-EMC (Asian Development Bank, Employee’s Multipurpose Cooperative)
06.2019 - 11.2019
Bachelor of Arts - Industrial Engineering
University of Santo Tomas
Bachelor of Science - Industrial Engineering
University of Santo Tomas