JAMES KENNETH A. ZUNIEGA
Bank Manager
Iloilo City,Iloilo
Summary
Highly flexible and results-oriented professional with more than 16 years of banking experience. Proven expertise in the field of branch and loans operation, with an in-depth understating of banking practices, financial products, risk mitigation and compliance regulations. Self-motivated and committed to achieving goals by effectively strategizing and following through with appropriate plans of action.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Unit Head
Bank of the Philippine Islands
Outsource Management Team, Iloilo RLC
03.2021 - Current
- Primary responsible in managing all outsourced functions of the division including the selection and performance evaluation of service providers, assignment and monitoring of jobs, disposition for terminated jobs, review, and reporting of data to management, and ad hoc tasks that may be assigned from time to time
- Manages collection and remedial activities for delinquent auto loan accounts over 61 days past-due
- Reviews, endorses, or approves proposals for waivers of penalties, repayment plans, endorsement to filing unit, and deferment of legal action based on delegated authority and limit
- Approves monetary transactions such as payment processing, referral of job orders to service providers, debit/credit advices, accounting tickets based on delegated authority and limit
- Approves non-monetary transactions such as file maintenance requests based on delegated authority and limit to update account records
- Handles tasks that may be assigned from time to time that will be necessary to ensure smooth operational performance of the unit
Operations Head
Bank of the Philippine Islands
Iloilo Loans Services & Recovery, Iloilo RLC
02.2020 - 02.2021
- Overall supervision and management of the operations performance of the LSR unit
- Leads the implementation and monitoring of regular and accurate execution of bank policies and operating procedures/ initiatives.
- Ensures compliance to internal policies and control procedures in performance of transactions.
- Conducts and prepares Risk and Control Self-Assessment periodically and ensures that problems are addressed promptly.
- Formulates and implements strategies for an effective remedial and ROPA management geared towards meeting the unit’s goal in terms of IL rate, AFS and other related targets; TAT to clear foreclosed properties to available for sale; and compliance to regulatory requirements relative to the payment of taxes and appraisals.
- Handles tasks that may be assigned from time to time that will be necessary to ensure smooth operational performance of the unit
Unit Head
Bank of the Philippine Islands
Regional Remedial & Support Unit, Iloilo RLC
02.2017 - 02.2020
- Handles regional remedial functions, oversees the compliance to regulatory requirements, initiates operational controls and overall administration of various LSR units
- Reviews the IL and ROPA portfolio of the Department and analyzes the accounts due for Write-off based on age and likelihood of recovery.
- Reviews the IL and ROPA portfolio of the Department and analyzes the accounts due for Write-off based on age and likelihood of recovery.
- Prepares monitoring templates and reviews data provided by the units related to compliance checklist and requirements.
- Acts as Over-All Customer Assistance Officer (CAO) in-charge of monitoring and posting of complaints registry.
- Handles tasks that may be assigned from time to time that will be necessary to ensure smooth operational performance of the unit
Operations Officer / Assistant Manager
Bank of the Philippine Islands
Iloilo Loans Services & Recovery, Iloilo RLC
02.2016 - 02.2017
- Supervision and management of the operations performance relative to specific function assigned
- Plans, strategize and implements and monitors strategies for an effective remedial and ROPA management geared towards meeting the unit’s goal in terms of IL rate, AFS and other related targets; TAT to clear foreclosed properties to available for sale; and compliance to regulatory requirements relative to the payment of taxes and appraisals.
- Directly supervises the remedial management e.g., settlement negotiations, filing, initial review of related requests/ compromise agreement, & write-off.
- Proposes, implements and evaluates applicable innovations in the form of process improvements or special projects.
- Conducts and prepares Risk and Control Self-Assessment periodically and ensures that problems are addressed promptly.
- Handles tasks that may be assigned from time to time that will be necessary to ensure smooth operational performance of the unit.
Collections Officer / Junior Assistant Manager 1
Banco de Oro Unibank (BDO) Unibank, Inc.
CLG, Front-End Secured Collections, Iloilo PBC
09.2014 - 01.2016
- Maintained strong customer relationships through respectful communication and effective problem-solving techniques.
- Established positive rapport with clients, fostering trust and open lines of communication throughout the collections process.
- Managed a portfolio of delinquent accounts, effectively prioritizing high-risk cases to minimize potential losses.
- Maintained accurate records of all collections activities, ensuring proper documentation for auditing purposes.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Handles tasks that may be assigned from time to time that will be necessary to ensure smooth operational performance of the unit.
Operations Associate
BPI Family Savings Bank (Now BPI)
Iloilo Provincial Operations, Iloilo RLC
11.2011 - 10.2014
- Primarily responsible in the consolidation of Monthly Performance reports of the units, overall administration and monitoring including compliance with regulatory requirements.
- Consolidate and monitors submission of Monthly Performance Reports (MPRs) of all BC LSR units which include among others the Sigma Level indicator (SLI) on loans documentation review and clearance, loans servicing activities, remedial and various TAT reports on foreclosed assets.
- Performs daily/ regular reconciliation of the all GL and SL accounts in the books being handled by the unit.
- Prepares reports/data that are being required by audit and other departments.
- Handles the Department's specific programs on people management
- Performs other tasks that may be assigned from time.
Customer Service Associate
Robinsons Bank Corporation (Now BPI)
RobinsonsBank, Iloilo Main
10.2008 - 11.2011
- Acts as Teller, Pick-Up Teller, New Accounts Staff, Check Clearing and other branch-related functions
- Maintained a high level of product knowledge, providing accurate information to customers.
- Enhanced customer satisfaction by effectively addressing inquiries and resolving issues.
- Achieved consistently high levels of customer satisfaction by prioritizing empathy, patience, and effective problem-solving skills during interactions.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Performs other tasks that may be assigned from time.
Education
Bachelor of Science - Management Accounting
University of San Agustin
Iloilo City04.2008
High School Diploma -
Jaro National High School
Iloilo City04.2004
Maite Grande Elementary School
Iloilo City, Province Of Iloilo, Philippines04.2000
Skills
- Negotiation
- Problem Solving
- Conflict Resolution
- Time Management
- Leadership
- Decision-Making
- Microsoft Excel
- Data Analysis
ACCOMPLISHMENTS
PROFESSIONAL
- Transformed Outsource Management Team (OMT) into a High Performing Unit by implementing several key process improvements and initiatives, (BPI Family Savings Bank/Bank of the Philippine Islands), 2022
- Project Lead, SP-Lympics Program – an award-winning project recognized in Retail Lending Game of Loans Competition, and the first of its kind in Core Retail, (BPI Family Savings Bank/Bank of the Philippine Islands), 2022
- Finalist, Core Retail Heroes – Middle Management Level Category, (BPI Family Savings Bank/Bank of the Philippine Islands), 2022
- 3rd Place, BPI Unibank Excellence Award – Project Category “Game of Houses”, (BPI Family Savings Bank/Bank of the Philippine Islands), 2018
- BPI Unibank Excellence Award - Staff Category, (BPI Family Savings Bank/Bank of the Philippine Islands), 2013
- Best Operation Staff, Property Management & Provincial Operations, Loans & Property Administration, (BPI Family Savings Bank/Bank of the Philippine Islands) , 2013
- Champion, Search for the Total Quality Projects “Project Title: The Indemnity” (BPI Family Savings Bank/Bank of the Philippine Islands) , 2013
- Finalist, Search for the Total Quality Projects “Project Title: Queue No More”, (BPI Family Savings Bank/Bank of the Philippine Islands) , 2012
- WOW Awardee, (BPI Family Savings Bank/Bank of the Philippine Islands)
- Perfect Attendance Awardee (BPI Family Savings Bank/Bank of the Philippine Islands), 2011-2014
- Top Collections Officer (Banco De Oro Unibank, Inc.), 2014
EDUCATIONAL
- President, Junior Institute of Business Administrators and Accountants (JIBAA), University of San Agustin, SY 2007-2008
- Medal of Leadership Award (Exemplary Leadership Performance as President of JIBAA), Council of Management Educators (C.O.M.E.), Manila Philippines, 2008
- JIBAA Award (Exemplary Leadership Performance as President of JIBAA), College of Business Administration and Accountancy, University of San Agustin, Iloilo City, 2008
- Leadership Award, College of Business Administration and Accountancy, University of San Agustin, Iloilo City, 2008
- Reliability Award, College of Business Administration and Accountancy, University of San Agustin, Iloilo City, 2008
- Deans Lister / Academic Awardee
- Graduated Salutatorian (Elementary Education), 2004
SPEAKING ENGAGEMENT
- Resource Speaker during the symposium of the 4th Year BSBA Students of the University of San Agustin held last November 2023 with the Theme: Transforming Digital Banking Through Blockchain: The Future of Trust and Transparency
Affiliations
- Member, Grande Loge Mixte Ocean Indien, Philippines (Freemasonry)
- Member, The Fraternal Order of Eagles, Philippine Eagles
- • Member, Brotherhood of Christian Businessmen & Professionals (BCBP)
Certification
I hereby certify that the foregoing statements are true, and that any misrepresentation or omission of facts called for in this form is sufficient cause for my disqualification
Timeline
Unit Head
Bank of the Philippine Islands
03.2021 - Current
Operations Head
Bank of the Philippine Islands
02.2020 - 02.2021
Unit Head
Bank of the Philippine Islands
02.2017 - 02.2020
Operations Officer / Assistant Manager
Bank of the Philippine Islands
02.2016 - 02.2017
Collections Officer / Junior Assistant Manager 1
Banco de Oro Unibank (BDO) Unibank, Inc.
09.2014 - 01.2016
Operations Associate
BPI Family Savings Bank (Now BPI)
11.2011 - 10.2014
Customer Service Associate
Robinsons Bank Corporation (Now BPI)
10.2008 - 11.2011
Bachelor of Science - Management Accounting
University of San Agustin
High School Diploma -
Jaro National High School
Maite Grande Elementary School