Harley Gene Gozun
Summary
8+ years experience as a Senior Credit Analyst. Seeking to join and contribute to a team, by using my professional and personal experiences to help provide strong, positive customer service in order to help further expand the development of both the company and myself to reach goals.
Overview
7
7
years of professional experience
Work History
Senior Credit Analyst
ANZ Australia
09.2023 - Current
- Complete and exercise Credit approval decisions for Annual Reviews under Behavioral Review Checklist and SFCR A & B with complexities and associated processes for Commercial Banking customer.
- Make sound recommendations and logical assessment, demonstrating a clear understanding of the customer and appropriate risk evident
- With $1.75M AUD lending authority approval. Corp 8 CAD Holder.
- Understand the needs of the Relationship Sets and customer to ensure service delivery to meet exceed their Q/A regulatory requirements.
- Proactively review and implements improvements in practices and procedures to allow Relationship Delivery Team exceed SLA targets.
- Conduct review/checking for Annual Review under Behavioral Review Checklist and SFCR A& B with complexities completed by Commercial Centre Excellence.
- Handle Annual Review Reviews escalations and approvals.
Senior Associate, Credit Analyst
Ingram Micro Philippines
03.2022 - 08.2023
- Periodic review and perform write up of accounts
- Spreading of Financial Statements
- Export Compliance Process
- With $50,000 Lending Authority
- Handling of complex reconciliation tasks
- Coordinate/collaborate with business partners for dispute resolution
- Build and develop excellent working relationships with internal customers
- Review and release of orders on hold based on the authority level
- Payment application for complex processes (Wires, Auto cash, Credit Card)
- Suspense account reconciliation
- Coverage or back up when necessary due to staffing shortage
- Reconciliation of coded items and disputes raised by customers
- Exercise judgment based on define process to determine appropriate action
- Proactive problem solving
- Handle internal and customers escalations by cultivating customer experience.
Credit Analyst
Bank of the Philippine Island
01.2018 - 09.2021
- Financial Statement Analysis
- Evaluation of Customer Credit Worthiness
- Evaluate clients credit data and banking information in order to help determine the risk involved if providing a loan.
- Drafting credit proposal and pre loan sanction process.
- Proactively prevented fraud through diligence, effective reporting, and monitoring of financial statement and credit package preparation.
- Ensure compliance with the Bank’s lending policies and procedures by monitoring, reviewing, and approving loan and credit portfolios, as well as, providing risk advice and coaching to the sales team as required.
Education
Bachelor of Science - Business Administration Major in Banking
Our Lady of Fatima University
Valenzuela, Metro Manila, Philippines03-2017
Skills
- Proficient in financial statement evaluation
- Financial data analysis
- Risk evaluation
- Loan approval assessment
- Credit Evaluation
- Credit scoring models
- Customer Service
- Bookkeeping
- Conducting thorough research
- Customer relationship management
- Loan servicing expertise
- Credit analysis
- Understanding lending regulations
- Strategic planning
- Microsoft Office expertise
Accomplishments
- Deans Lister 2013-2017
- Cum Laude 2017
- Top Credit Analyst March 2021 (Gold Winner)
- Top Credit Analyst January, May, June 2021 (Silver Winner)
- Rookie Awardee September 2022
- NCII Bookkeeping Passer
- Zero Hero Awardee (100% Quality Review)
- Top 5 Leadership Awardee (October 2024-June2025)
Languages
English
Bilingual or Proficient (C2)
Timeline
Senior Credit Analyst
ANZ Australia
09.2023 - Current
Senior Associate, Credit Analyst
Ingram Micro Philippines
03.2022 - 08.2023
Credit Analyst
Bank of the Philippine Island
01.2018 - 09.2021
Bachelor of Science - Business Administration Major in Banking
Our Lady of Fatima University
References
Available upon request
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