Open To Work
GREGORIO LUCAS DELA CRUZ JR
BANKER
CAUAYAN,ISA
Summary
- Results-driven Business Development Officer with a proven track record in relationship management and stakeholder communication. Expertise in customer service and strategic planning to enhance client satisfaction and drive new business initiatives.
- Proficient in stakeholder communication and strategic planning. Achieved measurable improvements in client satisfaction through tailored business solutions and effective marketing initiatives. Committed to enhancing operational efficiency and supporting organizational goals.
- Diligent with solid foundation in identifying growth opportunities and cultivating client relationships. Proven track record in driving strategic initiatives and facilitating partnerships that align with business objectives. Demonstrated proficiency in leveraging market insights and building collaborative networks to enhance organizational success.
- Motivated individual with experience in customer service and sales. Skilled in building customer relationships and understanding customer needs. Strong communication and interpersonal skills for providing superior customer service.
Overview
33
33
years of professional experience
Work History
Business Development Officer
BDO Unibank
NORTH LUZON AREA-CAUAYAN CITY ISABELA BRANCH
11.2019 - 12.2022
- Prepared comprehensive presentations for stakeholders to support business initiatives.
- Provided exceptional customer service by addressing inquiries promptly and resolving issues effectively.
- Communicated directly with customers and partners to build strong business networks and relationships.
- Generated new business with marketing initiatives and strategic plans.
- Boosted client satisfaction by identifying and addressing their specific needs through tailored business solutions.
- Secured long-term client loyalty by consistently delivering high-quality products and services tailored to individual business needs.
- Implemented innovative marketing campaigns that effectively communicated value propositions to target audiences.
- Completed and submitted monthly and yearly reports to support executive decision making.
- Strategized with sales team to prospect and qualify potential customers within assigned geographic territories.
- Built relationships with colleagues to facilitate teamwork, cooperation and success.
- Streamlined internal processes through continuous evaluation of workflow efficiency, leading to improved organizational agility in responding to market trends.
CREDIT OFFICER
BDO Unibank
Santiago, Province Of Isabela, Philippines
09.2017 - 10.2019
- Analyzed credit applications to assess risk and ensure compliance with internal policies and render credit decision within reasonable turn around time.
- Reviewed financial statements to evaluate borrower creditworthiness and repayment capacity.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
SALES/ACCOUNT OFFICER
BDO Unibank
PROVINCIAL BUSINESS CENTER SANTIAGO CITY ISABELA
05.2010 - 08.2017
- Actively source, prospect, and generate new home loan clients through brokers, real estate developers, and open markets.
- Advise clients on loan products, interest rates, and financing options to meet their property purchasing needs.
- Gather required documentation, perform initial KYC (Know Your Customer) checks, and assess creditworthiness.
- Meet or exceed monthly targets for loan volume, turn-ins, and booked accounts.
- Coordinate with loan administration for timely loan approvals and document completion.
BRANCH SERVICE AND CONTROL OFFICER
PSBank
SANTIAGO CITY, ISABELA BRANCH
11.2005 - 04.2010
- Managed daily operations to ensure efficient service delivery and adherence to bank policies.
- Acts as the primary co-custodian of the cash-in-vault, including keys for the main vault, ATM, cash safes, and security alarms.
- Responsible for the accuracy of reports, accountable forms, and assisting in consolidating reports for management.
- Reports any malpractice, irregularities, or potential risks in the branch to the proper authorities for immediate action.
- Oversees the daily tasks of branch officers and staff to maintain efficiency and productivity.
BRANCH CASHIER
Equitable PCI Bank
SAN JOSE CITY, NUEVA ECIJA BRANCH
12.2003 - 10.2005
- Handles all cash transactions, including receiving deposits, processing withdrawals, encashing checks, and buying/selling cash.
- Manages the opening, closing, and safekeeping of the cash vault (BOD/EOD - Beginning/End of Day procedures).
- Reconciles physical cash with the electronic system (e.g., FINACLE or similar) daily, prepares cash reports, and ensures no discrepancies.
- Provides service in a prompt, courteous manner while resolving customer inquiries and complaints.
- Ensures strict adherence to anti-money laundering (AML) regulations, "know your customer" (KYC) policies, and signature verification.
- Assists with checking, signing, and managing bank documents, including cashier's checks, and coordinating with the Branch Manager for daily activities.
- Promotes bank products and services to clients to meet branch targets.
POOL OFFICER
Equitable PCI Bank
NORTH LUZON AREA
06.2001 - 07.2001
- Acts as a Service Officer, Branch Operation Head, or Branch Service Associate, assuming full responsibility for the key result areas and targets of the branch being relieved.
- Oversees daily branch operations, including start-of-day/end-of-day activities, cash-in-vault management, and ATM operations.
- Reviews and approves over-the-counter transactions, including account openings (KYC/AMLA), maintenance, and manager's checks.
- Ensures strict compliance with audit, safety, and security procedures to maintain acceptable audit ratings.
- Manages lobby traffic, resolves customer complaints, and ensures high-quality service delivery.
- Engages in cross-selling bank products and services to meet branch targets.
- Prepares necessary branch reports and ensures proper turnover of all documents and transactions back to the permanent staff.
Administrative Assistant
Equitable PCI Bank
NORTH LUZON AREA OFFICE TUGUEGARAO CITY CAGAYAN
03.2000 - 05.2001
- Manages the Division Manager’s calendar, schedules appointments, arranges meetings, and handles travel itineraries.
- Drafts, proofs, and edits internal memos, business correspondence, and complex reports.
- Maintains confidential files, records, and databases, ensuring data is accurate, up-to-date, and secured in accordance with bank policies.
- Screens calls and visitors, acting as a gatekeeper to prioritize the manager’s time and handling communications with internal staff and external clients.
- Assists with logistical tasks, such as requisitioning office supplies and ensuring office equipment is functional.
- Undertakes special projects or other tasks as assigned by the Division Manager to support divisional goals.
STAFF
EQUITABLE BANKING CORPORATION
CAUAYAN CITY ISABELA BRANCH
03.1990 - 02.2000
- Accurately and efficiently process over-the-counter transactions, including cash deposits, withdrawals, check encashment, and bill payments.
- Greet clients with a warm disposition, ensuring a professional, friendly, and efficient experience in line with the bank’s service standards.
- Strictly adhere to bank policies, anti-money laundering (AML) regulations, and the code of ethics to prevent fraud and minimize operational losses.
- Identify customer needs and promote or cross-sell bank products (e.g., credit cards, loans, insurance).
- Prepare, verify, and scan necessary documentation for transactions and maintain accurate daily logs.
- Assist with vault transactions, ATM replenishment, and other administrative tasks as assigned by the Branch Manager.
Education
MBA - BUSINESS MANAGEMENT
ISABELA STATE UNIVERSITY
MAIN CAMPUS ECHAGUE ISABELA04-2007
BUSINESS ADMINSTRATION MAJOR IN ACCOUNTING
ISABELA STATE UNIVERSITY
MAIN CAMPUS ECHAGUE ISABELA04-1988
Skills
- Relationship management
- Stakeholder communication
- Strategic planning
- New business development
- Proposal writing
- Customer service
- Team collaboration
- Sales and marketing
- Performance evaluations
Languages
English
Bilingual or Proficient (C2)
FILIPINO
Bilingual or Proficient (C2)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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STRESS BUSTER OUTLET
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Timeline
Business Development Officer
BDO Unibank
11.2019 - 12.2022
CREDIT OFFICER
BDO Unibank
09.2017 - 10.2019
SALES/ACCOUNT OFFICER
BDO Unibank
05.2010 - 08.2017
BRANCH SERVICE AND CONTROL OFFICER
PSBank
11.2005 - 04.2010
BRANCH CASHIER
Equitable PCI Bank
12.2003 - 10.2005
POOL OFFICER
Equitable PCI Bank
06.2001 - 07.2001
Administrative Assistant
Equitable PCI Bank
03.2000 - 05.2001
STAFF
EQUITABLE BANKING CORPORATION
03.1990 - 02.2000
MBA - BUSINESS MANAGEMENT
ISABELA STATE UNIVERSITY
BUSINESS ADMINSTRATION MAJOR IN ACCOUNTING
ISABELA STATE UNIVERSITY