Summary
Overview
Work History
Education
Skills
References
Training
Disclaimer
PERSONAL INFORMATION
Timeline
Generic
FILIPINA SEMANA EGARGUE

FILIPINA SEMANA EGARGUE

Binangonan

Summary

Passionate about contributing to the growth of the chosen field, aiming to acquire and impart knowledge, skills, and experience for personal advancement and betterment of others. With a diligent work ethic and a strong foundation in loan processing and client consultation, successfully facilitating loan approvals through meticulous financial document analysis and adherence to regulatory guidelines. Expertise in customer service and risk assessment allows adeptly addressing client needs and preemptively managing potential issues. Proficient in assessing loan applications and financial documents to evaluate eligibility and risk, leveraging analytical prowess to ensure compliance with industry standards and regulations while consistently delivering exceptional customer service, guiding clients through the loan process with care and efficiency.

Overview

24
24
years of professional experience

Work History

Teachers Loan Agent

TALENT SUPPORT & OPPORTUNITIES INC.
06.2024 - 02.2025
  • Company Overview: (Legazpi Savings Bank a Subsidiary of Bank of the Philippine Islands)
  • Facilitated loan pre-qualification processes, ensuring compliance with regulatory standards and client needs.
  • Evaluated credit histories and financial documents to determine loan eligibility and options for clients.
  • Streamlined application review processes, improving turnaround times for loan approvals significantly.
  • Cultivated strong relationships with clients through proactive communication, fostering trust and repeat business opportunities.

Loan Officer

NEGROS WOMEN FOR TOMORROW FOUNDATION, INC
06.2019 - 06.2023
  • Evaluated loan applications to determine eligibility based on creditworthiness and financial stability.
  • Advised clients on suitable loan products, ensuring alignment with their financial goals and needs.
  • Streamlined processing procedures to enhance efficiency and reduce turnaround times for loan approvals.
  • Mentored junior staff in effective loan assessment techniques and customer service best practices.
  • Conducted thorough risk assessments to identify potential issues in loan applications before approval.
  • Collaborated with cross-functional teams to improve compliance with lending regulations and policies.
  • Developed training materials for new hires, enhancing onboarding processes and knowledge retention.
  • Implemented feedback mechanisms to gather insights from clients, driving improvements in service delivery.
  • Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
  • Maintained strict confidentiality of bank records and client information.
  • Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Examined customer loan applications for loan approvals and denials.
  • Developed strong relationships with customers through high levels of customer service.
  • Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Improved loan processing efficiency by streamlining application procedures and documentation requirements.

Customer Service Representative

QUANTRICS ENTERPRISES INC.
04.2018 - 06.2018
  • Account: Bell Canada
  • Resolved customer inquiries through effective communication and problem-solving techniques.
  • Assisted clients with product selection, enhancing overall customer satisfaction.

Loans and Marketing Staff

RURAL BANK OF MARILAG INC.
09.2016 - 03.2017
  • Developed and executed marketing campaigns to enhance community engagement.
  • Analyzed market trends to inform strategic decision-making and optimize outreach efforts.
  • Managed social media platforms, increasing online presence and customer interactions.
  • Conducted surveys and gathered feedback to improve service offerings and customer satisfaction.
  • Presented marketing performance reports to senior management, highlighting key achievements and areas for improvement.
  • Conducted thorough competitor analysis to identify market trends, gaps in offerings, and opportunities for differentiation within the marketplace.
  • Increased brand awareness by developing and executing targeted marketing campaigns.
  • Oversaw budgeting for marketing initiatives, ensuring alignment with overall financial objectives.

Officer In Charge

BANDILA LENDING CORPORATION
04.2011 - 09.2016
  • Directed daily operations, ensuring adherence to lending policies and regulatory requirements.
  • Streamlined loan processing procedures, enhancing efficiency and customer satisfaction.
  • Mentored junior staff, fostering a collaborative team environment and improving service delivery.
  • Analyzed financial data to identify trends and inform strategic decision-making processes.
  • Developed training programs for staff on compliance standards and operational best practices.
  • Implemented process improvements that reduced turnaround times for loan approvals significantly.
  • Oversaw risk management initiatives to safeguard company assets and minimize exposure.
  • Facilitated communication between departments to enhance workflow and operational synergy.
  • Oversaw daily operations, ensuring smooth execution of tasks and timely completion of projects.
  • Fostered a positive work environment by cultivating strong relationships among team members and promoting open communication channels.
  • Conducted thorough risk assessments for various operational scenarios, ensuring safety and mission success.
  • Improved overall unit efficiency by implementing streamlined processes and procedures.
  • Recognized for exceptional leadership skills, receiving multiple commendations for outstanding performance as OfficerinCharge.
  • Executed strategic planning initiatives that aligned with overall organizational goals.
  • Managed allocation of resources, optimizing budgetary planning and minimizing waste.
  • Maintained strict compliance with regulations, ensuring adherence to established policies and procedures.
  • Facilitated cross-functional collaboration, leveraging diverse expertise to optimize problem-solving capabilities within the unit.

Supervisor

MARIZ VENTURES, INC.
05.2006 - 10.2010
  • Company Overview: (Lynderm Day Spa)
  • Oversaw daily operations, ensuring compliance with safety regulations and company policies.
  • Trained and mentored team members, enhancing productivity and operational efficiency.
  • Implemented process improvements that streamlined workflows and reduced downtime.
  • Coordinated inventory management, optimizing stock levels to meet production demands.
  • Conducted performance evaluations, providing feedback to foster employee development.
  • Developed training programs that improved staff skills and knowledge retention.
  • Managed conflict resolution among team members, promoting a positive work environment.
  • Analyzed operational data to identify trends and inform strategic decision-making processes.
  • Oversaw daily operations of the department, ensuring smooth workflow and timely completion of tasks.
  • Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
  • Improved customer satisfaction with timely response to inquiries, addressing concerns, and finding effective solutions.
  • Increased team productivity by implementing efficient workflows and setting clear expectations for staff members.
  • Enhanced communication within the team by holding regular meetings and encouraging open dialogue among all members.

Accounting Staff

ZAGU FOODS CORPORATION
03.2005 - 09.2005
  • Managed daily financial transactions and reconciliations to ensure accurate records.
  • Assisted in preparing monthly financial statements to support management decision-making.
  • Reviewed invoices and processed payments, ensuring compliance with company policies.
  • Collaborated with cross-functional teams to streamline financial processes and improve accuracy.
  • Implemented process improvements that reduced errors in financial reporting and increased efficiency.
  • Ensured accurate fixed asset tracking by performing regular physical inventory counts and reconciliations against system records.
  • Assisted in the timely preparation of financial statements, ensuring regulatory compliance.
  • Reduced errors in financial reporting through thorough reconciliation of accounts and attention to detail.
  • Contributed to a positive work environment within the accounting department by actively participating in team meetings and offering support to colleagues when needed.
  • Provided valuable insights for budgeting decisions by analyzing historical financial data and trends.

Administrative Officer

MARCH AND JUNE ENVIRONMENTAL MANAGEMENT CORPORATION
06.2002 - 02.2005
  • Streamlined office operations by implementing efficient administrative processes and procedures.
  • Coordinated scheduling and logistics for meetings, ensuring timely communication among teams.
  • Developed and maintained filing systems to enhance information retrieval and organization.
  • Managed correspondence, prioritizing urgent communications to optimize response times.
  • Mentored junior staff, fostering skill development and promoting effective team collaboration.
  • Led initiatives to improve workflow efficiency, resulting in enhanced productivity across departments.
  • Analyzed operational data to identify trends and drive strategic decision-making processes.
  • Facilitated training sessions on administrative best practices, strengthening team capabilities and performance.
  • Maintained accurate records, ensuring timely processing of invoices, payments, and financial reports.
  • Managed files and records for clients and adhered to safety procedures to prevent breaches and data misuse.
  • Updated reports, managed accounts, and generated reports for company database.
  • Enhanced overall office productivity through effective staff management and coordination of daily tasks.
  • Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
  • Managed sensitive data securely by establishing strict access controls and implementing proper storage protocols.
  • Contributed to successful projects by providing essential administrative support and resource management.
  • Improved communication within the organization through regular updates on policies, procedures, and key events.
  • Supervised and guided new employees and responded quickly to questions to improve understanding of job responsibilities.
  • Created, prepared, and delivered reports to various departments.
  • Boosted employee morale by addressing concerns promptly and fostering a positive work environment.
  • Cultivated strong professional relationships with external stakeholders such as clients, suppliers, partners, or regulatory bodies.
  • Promoted a culture of continuous improvement by regularly reviewing current practices and identifying opportunities for enhancement.
  • Assisted in achieving company objectives through active participation in strategic planning sessions and goal setting initiatives.
  • Ensured compliance with industry regulations by maintaining up-to-date knowledge of requirements and monitoring adherence to guidelines.
  • Streamlined office processes by implementing efficient administrative systems and procedures.
  • Provided exceptional support to the executive team by managing schedules, coordinating travel plans, and organizing meetings.
  • Reduced expenses by negotiating with vendors for cost-effective supply contracts and services.
  • Facilitated cross-functional collaboration by acting as a liaison between departments for task coordination and information sharing.

OJT

TANAY RURAL BANK INCORPORATED
05.2001 - 06.2001
  • Assisted in processing customer transactions efficiently and accurately.
  • Gained proficiency in banking software, improving transaction processing times.
  • Participated in training sessions, enhancing knowledge of compliance regulations and banking procedures.

Education

Bachelor of Science - Business Administration, Banking and Finance

University of Rizal System
Binangonan, Province Of Rizal, Philippines
04.2002

High School - undefined

Binangonan Catholic High School
03.1996

Elementary School - undefined

Lunsad Elementary School
03.1990

Skills

  • Computer literate
  • Microsoft Word, Excel, PowerPoint, Access ,etc
  • Administrative Skills
  • Analytical Skills
  • Creativity
  • Good Communication Skills both written and writing
  • Financial Analysis
  • Operational Skills
  • Active Listening Skills to understand client Needs
  • Customer Service
  • Collection Skills, Reporting on Time
  • Keen Attention to Details
  • Loan structuring
  • Professionalism and ethics
  • Goal-oriented mindset
  • Effective negotiation
  • Marketing
  • Documentation expertise
  • Credit assessment
  • Team player
  • Customer service-focused
  • Friendly
  • Cash handling
  • Loan servicing
  • Relationship building and management
  • Banking
  • Client relations
  • Documentation review
  • Document analysis
  • Risk management assessments
  • Financial counseling
  • Loans
  • Portfolio management
  • Regulatory compliance
  • Financial analysis aptitude
  • Applicant communication
  • Financial assessment
  • Application status reviews
  • Excellent communicator
  • Loan product promotion
  • Collections proficiency
  • Loan application management
  • Teamwork and collaboration
  • Customer service
  • Problem-solving
  • Time management
  • Attention to detail
  • Leadership skills
  • Problem-solving abilities
  • Multitasking Abilities
  • Effective communication
  • Decision-making
  • Active listening and learning
  • Microsoft office
  • Oral and written comprehension
  • Analytical and critical thinking
  • Loan processing coordination
  • Task prioritization
  • Self motivation
  • Creditworthiness determination

References

Rhea Ynares, Mayor, Municipality of Binangonan


Linggit, Ojoy, Councilor, Municipality of Binangonan, Binangonan


Aga Anore, Chairman, Brgy. Libid Binangonan,Rizal



Training

  • SITEL PHILIPPINES
  • Account: Billing Department
  • CAE - Comcast
  • One Julia Vargas Ortigas, Pasig City
  • January 8, 2018 to February 14, 2018
  • RURAL BANKER'S ASSOCIATION OF THE PHILIPPINES
  • Credit Risk and Loan Packaging Seminar
  • Dec. 8-9, 2016
  • Intramuros, Manila
  • SECURITIES AND EXCHANGE COMMISSION
  • The Bank and its Physique
  • Aug. 5-9, 2001
  • 6th flr., SEC Bldg. Edsa Greenhill’s

Disclaimer

I hereby certify that the above information is true and correct to the best of my knowledge and belief.

PERSONAL INFORMATION

  • Age : 44 yrs. old
  • Religion : Roman Catholic
  • Height : 5’2”
  • Weight : 150 kg.
  • Date of Birth : November 15, 1979
  • Place of Birth : Binangonan, Rizal
  • Nationality : Filipino
  • Language : English & Filipino
  • Father : Socrates P. Semana (dcsd.)
  • Mother : Emilliana G.Semana

Timeline

Teachers Loan Agent

TALENT SUPPORT & OPPORTUNITIES INC.
06.2024 - 02.2025

Loan Officer

NEGROS WOMEN FOR TOMORROW FOUNDATION, INC
06.2019 - 06.2023

Customer Service Representative

QUANTRICS ENTERPRISES INC.
04.2018 - 06.2018

Loans and Marketing Staff

RURAL BANK OF MARILAG INC.
09.2016 - 03.2017

Officer In Charge

BANDILA LENDING CORPORATION
04.2011 - 09.2016

Supervisor

MARIZ VENTURES, INC.
05.2006 - 10.2010

Accounting Staff

ZAGU FOODS CORPORATION
03.2005 - 09.2005

Administrative Officer

MARCH AND JUNE ENVIRONMENTAL MANAGEMENT CORPORATION
06.2002 - 02.2005

OJT

TANAY RURAL BANK INCORPORATED
05.2001 - 06.2001

High School - undefined

Binangonan Catholic High School

Elementary School - undefined

Lunsad Elementary School

Bachelor of Science - Business Administration, Banking and Finance

University of Rizal System

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FILIPINA SEMANA EGARGUE