FLORO JR MIRANDA
Tagum City
Summary
Dynamic Credit Analyst with proven expertise at TAGUM COOPERATIVE in risk assessment and credit analysis. Enhanced portfolio quality through strategic financial statement evaluations and improved customer relationships via effective communication. Skilled in credit scoring and relationship management, driving informed lending decisions and reducing delinquency rates through proactive monitoring.
Overview
19
19
years of professional experience
Work History
Credit Analyst
TAGUM COOPERATIVE
TAGUM CITY
02.2018 - Current
- Analyzed credit reports to assess risk and recommend loan approvals
- Evaluated financial statements for accuracy and compliance with lending policies
- Collaborated with team members to enhance credit evaluation processes
- Assisted in developing credit policies to improve risk management strategies
- Monitored account performance, identifying early warning signs of default
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
- Made decisions and recommendations about extending lines of credit.
- Streamlined the loan approval process for faster results by implementing an efficient credit scoring system.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
Collection Supervisor
ENTERPRISE BANK INC.
TAGUM CITY, PANABO CITY, NABUNTURAN, AND MATI CITY
08.2007 - 01.2018
- Supervised collections team, ensuring adherence to compliance and company policies.
- Developed training materials to enhance team performance and knowledge retention.
- Implemented process improvements to reduce collection cycle times and increase efficiency.
- Analyzed account statuses, identifying trends to inform collection strategies and interventions.
- Coordinated communication between departments to resolve customer disputes effectively.
- Mentored junior staff, fostering professional development and skills enhancement within the team.
- Led regular performance reviews, establishing clear goals for enhanced accountability and results.
- Monitored key metrics, driving initiatives to improve collections rates and minimize delinquencies.
- Enhanced collections efficiency by implementing and monitoring strategic collections plans.
Education
Bachelor of Arts - Economics
UNIVERSITY OF MINDANAO TAGUM COLLEGE
TAGUM CITY10-2005
Skills
Risk assessment
Credit analysis
Financial statement analysis
Credit risk
Credit decisions
Credit reporting
Relationship management
Risk mitigation strategies
Loan documentation
Information verification
Financial statement review
Loan evaluation
Goal oriented
Data compilation
Cash flow analysis
Credit scoring
Lending regulations
Debt structuring
Portfolio management
Timeline
Credit Analyst
TAGUM COOPERATIVE
02.2018 - Current
Collection Supervisor
ENTERPRISE BANK INC.
08.2007 - 01.2018
Bachelor of Arts - Economics
UNIVERSITY OF MINDANAO TAGUM COLLEGE