FRANCIS SALVADOR B. BERDIN
Bacoor City
Summary
Results-driven collections and loan management professional with over 10 years of experience in reducing delinquency rates, implementing loan restructuring strategies, and leading high-performing teams. Proven expertise in legal compliance, stakeholder coordination, and process optimization to achieve business goals. Recognized for exceeding performance targets and delivering operational excellence.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Collection Officer – Manager
BPI Century Tokyo Lease & Finance Corp.
04.2021 - Current
- Spearheaded initiatives to reduce non-performing accounts, achieving significant delinquency reduction through innovative restructuring and foreclosure strategies.
- Partnered with credit departments to review accounts for accuracy and potential adjustments, optimizing billing processes.
- Implemented timely escalation procedures when necessary, ensuring prompt attention is given to high-risk accounts.
- Improved debtor relations through effective dispute resolution strategies, cultivating trust among clients and colleagues alike.
- Participated in continuous professional development opportunities, staying current on industry best practices related to collections and debt recovery.
- Collaborated with team members to identify new tactics and improve overall collection success rates.
- Developed customized payment plans tailored to individual financial situations, increasing likelihood of repayment.
- Minimized legal action by effectively negotiating settlements between debtors and creditors.
- Worked closely with delinquent members to develop plan of payment in order to rectify outstanding accounts.
- Contacted delinquent members by phone, email and mail to determine reasons for delinquency.
- Maintained detailed records of customer interactions, ensuring accurate documentation and compliance with regulations.
- Utilized strong communication skills to handle difficult conversations with customers, maintaining professionalism and empathy.
- Coordinated with external collection agencies, providing training and monitoring their performance to optimize recovery outcomes
- Delivered detailed daily, weekly, and monthly reports to management for strategic decision-making
- Handled legal processes, including preparing demand letters and compromise proposals, to ensure policy compliance
Remedial Officer – Junior Assistant Manager
Toyota Financial Services (TFSPH)
08.2017 - 03.2021
- Achieved significant recovery rate improvement through effective supervision of external collection agencies and implementation of targeted strategies
- Maintained strict adherence to industry regulations, minimizing risk exposure for the organization.
- Enhanced communication between team members by organizing regular meetings and fostering open dialogue.
- Coordinated cross-functional teams to address complex issues, leading to more efficient problem-solving processes.
- Managed repossession schedules, processed redemption requests, and ensured timely account updates
- Initiated and processed legal actions, including account write-offs and replevin cases, for delinquent accounts
Collections Officer – Junior Assistant Manager
Security Bank Corporation
07.2016 - 08.2017
- Optimized delinquency control, earning recognition as Top Collector (October 2016) for proactive follow-ups and strategic account management
- Investigated uncontactable accounts using skip tracing and coordinated with other departments for resolution
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Managed a portfolio of delinquent accounts, effectively prioritizing high-risk cases to minimize potential losses.
Collections Associate
Metrobank Card Corporation
07.2012 - 07.2016
- Controlled delinquency for midrange and frontend accounts, earning multiple awards, including Top Collector and Best Marshall (2015)
- Participated in system updates (UAT for Tallyman), enhancing operational efficiency
- Established positive relationships with customers, encouraging timely payments and minimizing default rates.
- Increased collections success by implementing effective negotiation strategies and payment plans.
- Worked closely with management to develop strategies for identifying potentially high-risk accounts early in the lending process.
Loans and Collections Assistant / Marketing Assistant
Rural Bank of Camalig (Albay), Inc.
02.2011 - 06.2012
- Assisted in loan processing and collections while ensuring compliance with banking regulations
- Conducted marketing initiatives to expand the bank’s loan portfolio
- Managed a portfolio of delinquent accounts, resulting in successful debt recoveries and improved cash flow.
- Established strong relationships with clients through professional communication, facilitating easier negotiations for payment arrangements.
Education
Bachelor of Arts - Audio Visual Communication
Bicol University College of Arts and Letters
01.2010
Skills
- Debt Collection & Recovery Strategies
- Loan Restructuring & Foreclosure Management
- Legal Documentation & Compliance
- Stakeholder Coordination
- Team Leadership & Training
- Reporting & Data Analysis
- Strong Written & Verbal Communication
- Strong negotiation skills
Certification
- Techniques of Financial Analysis, 05/08/24 - 05/29/24, ADMU Graduate School Business Center for Continuing Education
- AMLA Refresher Training, 2020
- Signature Verification & Forgery Detection Training, 2020
- Toyota Business Practices Training, 2018
- Collection & Negotiation Strategies Seminar, 2018
- Basic AMLA Training, 2017
Awards
- Model Employee, Tokyo Century Corporation, Tokyo, Japan, 07/01/23
- Employee of the year, BPITC, 2023
- Top Collector, Security Bank Corporation, 10/01/16
- Best Marshall, Metrobank Card Corporation, 2015
- Most Commendations Received, Metrobank Card Corporation, 2015
Timeline
Collection Officer – Manager
BPI Century Tokyo Lease & Finance Corp.
04.2021 - Current
Remedial Officer – Junior Assistant Manager
Toyota Financial Services (TFSPH)
08.2017 - 03.2021
Collections Officer – Junior Assistant Manager
Security Bank Corporation
07.2016 - 08.2017
Collections Associate
Metrobank Card Corporation
07.2012 - 07.2016
Loans and Collections Assistant / Marketing Assistant
Rural Bank of Camalig (Albay), Inc.
02.2011 - 06.2012
Bachelor of Arts - Audio Visual Communication
Bicol University College of Arts and Letters
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