Frederick Tinio
Bank Manager
Quezon City
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
26
26
years of professional experience
Work History
Consumer Lending Desk Head (Lores)
Rizal Commercial Banking Corporation
10.2018 - 07.2020
- With the rank of Assistant Vice President, in-charge of soliciting Loan Applications from Auto Franchise dealers around the area of Cainta, Taytay and Antipolo.
- Supervised one Auto Loan Officer with a quota of PhP15 million per month
- Also tasked to evaluate, recommend and approve loan applications if deem worthy of the bank's credit standards.
- Maintains a quota of PhP20 million per month worth of Auto Loans.
- Also tasked to evaluate Online Auto Loan Applications solicited thru RCBC's website.
- Worked well in a team setting, providing support and guidance.
- Proven ability to learn quickly and adapt to new situations.
- Self-motivated, with a strong sense of personal responsibility.
Consumer Lending Head for Bulacan Province
Rizal Commercial Banking Corporation
08.2009 - 10.2018
- With the rank of Assistant Vice President, gained strong leadership skills by managing a team of 10 employees which include 2 Loan Officers, an Operations Manager, 2 Loan Processors, 1 Collection Officer, 1 Collection Assistant, 2 Marketing Assistants and a Messenger.
- In-charge of maintaining the Lending Center's P1.5 Billion Loan Portfolio by soliciting, evaluating and approving loan applications from various channels which include auto dealer franchise partners (e.g. Toyota, Honda, Mitsubishi), freelance auto salesmen, accredited developers (real estate) and the network of RCBC branches in the area.
- Tasked to process auto and real estate loan applications solicited by the 10 branches under my jurisdiction in the province of Bulacan.
- Must maintain a Non-Performing Loans (NPL) ratio of less than 3% via the branch's collection team.
- Must maintain an audit rating of at least Satisfactory every 2 years.
- Excellent communication skills, both verbal and written.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Demonstrated leadership skills in managing projects from concept to completion.
Consumer Lending Head for the Province of Pampanga
RCBC Savings Bank
09.2005 - 08.2009
- With the rank of Assistant Vice President, manages a team of 7 employees which include 1 Loan Officer, an Operations Manager, 2 Loan Processors, 1 Collection Officer, 1 Collection Assistant, 1 Marketing Assistants and a Messenger.
- In-charge of maintaining the Lending Center's P600 Million Loan Portfolio by soliciting, evaluating and approving loan applications from various channels which include auto dealer franchise partners (e.g. Toyota, Honda, Mitsubishi), freelance auto salesmen, accredited developers (real estate) and the network of RCBC branches in the area.
- Tasked to process the auto and real estate loan applications solicited by the 10 branches under my jurisdiction in the province of Pampanga, Bataan and Zambales.
- Must maintain a Non-Performing Loans (NPL) ratio of less than 3% via the branch's collection team.
- Must maintain an audit rating of at least Satisfactory every 2 years.
- Excellent communication skills, both verbal and written.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Exercised leadership capabilities by successfully motivating and inspiring others.
Team Leader Manager - Dealer Generated Auto Loans
RCBC Savings Bank
06.1997 - 09.2005
- With the rank of Manager, manages a team of 6 employees which include 5 Loan Officers and 1 Marketing Assistant.
- In-charge of maintaining the Team's P500 Million Loan Portfolio or a quota of PhP200 Million per month by soliciting, evaluating and approving loan applications from auto dealer franchise partners (e.g. Toyota, Honda, Mitsubishi) in the North and East Metro Manila Area.
- Must maintain a Non-Performing Loans (NPL) ratio of less than 3% via the branch's collection team.
- Must maintain an audit rating of at least Satisfactory every 2 years.
- Excellent communication skills, both verbal and written.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
Loan Officer
Development Bank Of Singapore (formerly Bank Of Southeast Asia)
06.1995 - 06.1997
- With the rank of Assistant Manager, tasked maintain a quota of PhP15 Million per month worth of auto loans by soliciting, evaluating and approving loan applications from auto dealer franchise partners (e.g. Toyota, Honda, Mitsubishi) assigned to me.
- Must maintain a Non-Performing Loans (NPL) ratio of less than 3% via the branch's collection team.
- Assisted customers with completing loan applications and other paperwork.
- Must maintain an audit rating of at least Satisfactory every 2 years.
- Excellent communication skills, both verbal and written.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Maintained strict confidentiality of bank records and client information
Marketing Assistant - Truck Loans Division
Filipino Financial Corporations
04.1994 - 06.1995
- Tasked to solicit, evaluate and recommend truck applications from truck dealer partners in Metro Manila and Bulacan
- Must maintain a quota of PhP10 Million per month worth of truck loans.
- Generated leads through phone calls, emails and face-to-face interactions.
- Must maintain an audit rating of at least Satisfactory every 2 years.
- Excellent communication skills, both verbal and written.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
Education
No Degree - Leadership Management Training Course (2 Months)
Ateneo De Manila University Graduate School
Salcedo Village, Makati City 05.2006 - 06.2006
Bachelor of Arts - Business And Managerial Economics
University of Santo Tomas
Espana, Manila, Philippines 04.2001 -
High School Diploma -
Notre Dame of Greater Manila
Caloocan City, Metro Manila, Philippines 04.2001 -
No Degree - Elementary Education
Notre Dame of Greater Manila
Caloocan City, Metro Manila, Philippines 04.2001 -
Skills
Basketball and Computer Games
Plays competitive basketball with the position of Power Forward. Has joined several leagues during my younger years.
I am fond of playing computer games in my spare time, mostly role playing and adventure games.
Timeline
Consumer Lending Desk Head (Lores)
Rizal Commercial Banking Corporation
10.2018 - 07.2020
Consumer Lending Head for Bulacan Province
Rizal Commercial Banking Corporation
08.2009 - 10.2018
No Degree - Leadership Management Training Course (2 Months)
Ateneo De Manila University Graduate School
05.2006 - 06.2006
Consumer Lending Head for the Province of Pampanga
RCBC Savings Bank
09.2005 - 08.2009
Bachelor of Arts - Business And Managerial Economics
University of Santo Tomas
04.2001 -
High School Diploma -
Notre Dame of Greater Manila
04.2001 -
No Degree - Elementary Education
Notre Dame of Greater Manila
04.2001 -
Team Leader Manager - Dealer Generated Auto Loans
RCBC Savings Bank
06.1997 - 09.2005
Loan Officer
Development Bank Of Singapore (formerly Bank Of Southeast Asia)
06.1995 - 06.1997
Marketing Assistant - Truck Loans Division
Filipino Financial Corporations
04.1994 - 06.1995
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