Francis R. Manuel
Guimba, Province of Nueva Ecija
Summary
Experienced with team leadership, operational management, and customer service excellence. Utilizes strategic planning and problem-solving skills to enhance team productivity and service quality. Track record of fostering collaborative and adaptable workplace.
Overview
14
14
years of professional experience
Work History
Loan Servicing Assistant
FICOBank
05.2011 - 09.2012
- Managed high-volume workload within strict deadlines, prioritizing tasks based on urgency and importance for optimal productivity.
- Monitored loan portfolios for potential risks or issues, proactively addressing concerns to maintain borrower satisfaction and mitigate financial loss.
- Reduced delinquency rates through proactive communication and personalized payment plan development.
- Supported loan officers with timely and accurate document preparation, ensuring smooth loan processing.
- Assisted borrowers in understanding the terms of their loans, answering any questions and providing guidance on available payment options to promote successful repayment plans.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Assisted customers with completing loan applications and other paperwork.
- Loan documentation review as to completeness of pertinent requirements.
Internal Auditor -Team Leader
FICOBank
09.2012 - 08.2018
- Assisted in the preparation of audit reports that clearly communicated findings and recommendations to key stakeholders.
- Performed internal audits of financial and departmental operations, developing risk assessments and conducting process walkthrough for compliance with documented processes.
- Identified and reported audit issues.
- Investigated discrepancies discovered during auditing process.
- Produced audit reports.
- Supported management in developing action plans to address identified issues, promoting timely resolution of audit findings.
- Enhanced internal control systems by conducting thorough risk assessments and implementing effective audit recommendations.
- Provided valuable insights to management by presenting clear and concise audit findings, contributing to informed decision-making processes.
- Explained risk and compliance concepts to managers and executives.
- Improved operational efficiency by identifying and addressing financial discrepancies through meticulous examination of financial records.
- Reviewed and identified risks, analyzed controls and tested compliance.
- Evaluated compliance with regulatory requirements, mitigating potential risks and protecting organizational reputation.
- Mitigated potential financial losses, closely monitoring and auditing high-risk areas of business.
Assistant Manager
FICOBank
08.2018 - 05.2022
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Developed strong working relationships with staff, fostering a positive work environment.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Oversaw daily cash reconciliations, ensuring accurate financial reporting and minimizing discrepancies.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Ensure completeness of loan and deposit requirements prior to release and account opening, respectively.
- Prepare journal entries and any necessary adjustments on book of accounts.
- Act as controller prior to proceed on particular branch transactions.
Branch Manager
FICOBank
06.2022 - Current
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Complied with regulatory guidelines and requirements.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Consulted customers to boost product sales and services.
- Examined customer loan applications for loan approvals and denials.
- Submitted loan applications to underwriter for verification and recommendation.
- Oversaw daily branch operations, ensuring compliance with regulatory standards and maintaining operational integrity.
- Ensured exceptional customer service, resolving issues swiftly to maintain trust and satisfaction.
- Conducted regular financial reviews and audits, identifying and resolving discrepancies promptly.
Education
Bachelor of Science - Business Accountancy
Eduardo L. Joson Memorial College (ELJMC)
Palayan City, Province Of Nueva Ecija, Philippines04-2011
Skills
- Branch operations management
- Customer service
- Customer relationships
- Excellent time management skills
- Strategic planning
- Coaching and mentoring
- Strong team-builder
- Proficient in MS office
- Loan documentation
- Excellent work ethic
Additional Information
TRAININGS AND SEMINAR ATTENDED
· Anti-Money Laundering act Seminar
Signature verification and Counterfeit Currency Detection
National Bureau of Investigation
Cabanatuan City
May 2012
· Risk Based- Auditing
BANKOOP, Cooperative Banks Foundation of the Philippines
Cubao, Metro Manila
July 2015
· Detecting Misrepresentation in Financial Reporting
Philippine Institute of Certified Public Accountants
PICPA bldg., Shaw Blvd., Mandaluyong Metro Manila
February 2016
· Philippine Standard on Auditing
Philippine Institute of Certified Public Accountants
PICPA bldg., Shaw Blvd., Mandaluyong Metro Manila
March 2017
Timeline
Branch Manager
FICOBank
06.2022 - Current
Assistant Manager
FICOBank
08.2018 - 05.2022
Internal Auditor -Team Leader
FICOBank
09.2012 - 08.2018
Loan Servicing Assistant
FICOBank
05.2011 - 09.2012
Bachelor of Science - Business Accountancy
Eduardo L. Joson Memorial College (ELJMC)
Similar Profiles
Viemay BlancasViemay Blancas
Jewelry Appraiser at FICOBANK-ABULUGJewelry Appraiser at FICOBANK-ABULUG
Red Abiera IIIRed Abiera III
Senior Software Developer at FreelanceSenior Software Developer at Freelance
Daisy SorianoDaisy Soriano
Administrative Assistant IV (Job Order) at DPWH Nueva Ecija 1st District Engineering OfficeAdministrative Assistant IV (Job Order) at DPWH Nueva Ecija 1st District Engineering Office