Janel Penaso Flores
Block 1 Lot 9, 888 Acacia Drive Subdivision, Acacia Street., Capitol Site, Cebu City
Summary
Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.
Dynamic individual with hands-on experience in Banking, Insurance and Real Estate Management and talent for navigating challenges. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Overview
20
20
years of professional experience
Work History
Branch Head
Philippine Savings Bank (PSBank)
09.2023 - 08.2024
- Achieved consistent growth in loan portfolio by offering tailored financial solutions to clients'' needs.
- Mentored junior staff members, cultivating a culture of continuous learning and development.
- Managed risk by ensuring adherence to bank regulatory requirements and internal policies.
- Initiated cross-selling efforts, resulting in increased product penetration among existing customers.
- Maximized employee engagement through regular communication, recognition programs, and team-building activities.
- Increased branch revenue by implementing effective sales strategies and maintaining strong customer relationships.
Regional Sales Head-Northern Mindanao
PHILIPPINE BUSINESS BANK
09.2021 - 08.2023
- Increased sales revenue by implementing innovative marketing strategies and optimizing team performance.
- Managed key accounts effectively, ensuring ongoing satisfaction while identifying upsell opportunities to drive additional revenue growth.
- Negotiated contracts with major clients, securing long-term partnerships that generated significant revenue streams.
- Led a high-performing sales team to consistently exceed quotas and achieve top rankings within the company.
- Established a robust pipeline of prospects through diligent prospecting efforts, leading to consistent increases in new business opportunities.
Business Manager
PHILIPPINE BUSINESS BANK
09.2019 - 08.2021
- Improved operational workflows by identifying areas of inefficiency and implementing appropriate solutions.
- Increased overall team productivity by fostering a positive work environment and providing effective leadership.
- Oversaw financial operations, maintaining accurate records and ensuring compliance with industry regulations.
- Successfully managed organizational change initiatives, minimizing disruptions to daily operations while achieving desired outcomes.
- Streamlined operations, reducing overhead costs with comprehensive budget management.
Branch Head
AXA PHILIPPINES
09.2018 - 06.2019
- Managed risk by ensuring adherence to regulatory requirements and internal policies.
- Set challenging performance goals for the team, fostering an achievement-oriented culture that drove success across key metrics.
- Forged solid partnerships with local businesses and community organizations to enhance the branch''s reputation in the market area.
- Implemented innovative marketing campaigns to expand the branch''s market presence and attract new clients.
- Developed a high-performing team through targeted recruitment, training, and coaching initiatives.
Project Coordinator's Assistant
ACTFAST RESTORATION & REPAIR, Ltd.
01.2018 - 07.2018
- Monitored deadlines closely, prioritizing tasks effectively to maintain adherence to established timelines without compromising quality or scope objectives.
- Participated in post-project evaluation efforts, providing constructive feedback aimed at improving future performance and learning from past experiences.
- Contributed valuable insights during brainstorming sessions, aiding in the generation of innovative solutions for overcoming challenges faced by projects.
- Managed project documentation, ensuring accurate record-keeping and easy access to information for all stakeholders.
- Streamlined project processes by implementing efficient task management and communication tools.
Business Manager
SECURITY BANK CORP.
08.2016 - 12.2017
- Created, managed, and executed business plan and communicated company vision and objectives to motivate teams.
- Executed business plans to further strengthen and maximize territory sales and profits.
- Evaluated current market trends and competitor strategies, guiding the development of innovative solutions to stay ahead in the industry.
- Mentored junior staff members, helping them grow professionally and contribute more effectively to the team''s goals.
- Successfully managed organizational change initiatives, minimizing disruptions to daily operations while achieving desired outcomes.
Branch Manager
ASIA UNITED BANK CORP.
03.2013 - 07.2016
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- 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.
District Sales Manager
AXA PHILIPPINES
01.2012 - 02.2013
- Improved team performance by providing regular coaching, training, and mentoring to sales representatives.
- Increased sales revenue by developing and implementing effective sales strategies for the district.
- Exceeded annual sales targets through strategic planning, territory optimization, and customer relationship building.
- Recognized potential talent within the team members early on; mentored them into higher positions in the organization over time.
- Assessed competitive landscape regularly to adapt strategies accordingly and maintain a leading position in the market.
Area Sales Manager
AXA PHILIPPINES
07.2007 - 12.2011
- Established strong relationships with key clients, resulting in increased customer retention and satisfaction.
- Enhanced team performance by providing ongoing coaching, training, and mentoring to sales representatives.
- Reported sales activity, generated sales quotations, and proposals and maintained customer contact database to achieve sales objectives and quota.
- Managed a successful sales team, consistently achieving and exceeding monthly sales targets.
- Fostered a positive work environment within the sales team by encouraging open communication, teamwork, and mutual support among team members.
Financial Executive
AXA PHILIPPINES
06.2005 - 06.2007
- Established strong relationships with banking partners, negotiating favorable financing terms to support business expansion initiatives.
- Transformed forecasting processes through implementation of advanced analytics tools, enhancing accuracy of projections for more effective resource allocation.
- Developed comprehensive financial models for strategic decision-making, driving profitability improvements.
- Collaborated with executive leadership to develop long-term business strategies that aligned financial goals with company objectives.
Territory Manager
ALTOMED PHARMACEUTICALS
03.2004 - 04.2005
- Developed strong relationships with key decision-makers, fostering trust and loyalty in the assigned territory.
- Cultivated relationships with key accounts in territory and provided support to drive customer satisfaction.
- Established successful account relationships by building rapport and maintaining consistent communication.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Expanded territory coverage by strategically identifying and targeting high-potential accounts.
Education
Real Estate Consultancy - Real Estate Management And Consultancy
Philippine Association of Realty Consultants And Specialists
Cebu City11.2021
Bachelor of Science - Real Estate Brokerage
Institute of Professional Real Estate Education
Cagayan De Oro, Province Of Misamis Oriental, Philippines04-2015
Bachelor of Science - Real Estate Appraisal
Institute of Professional Real Estate Education
Cagayan De Oro, Province Of Misamis Oriental, Philippines10-2014
MBA - Masters in Business Administration
Misamis University
Ozamiz, Province Of Misamis Occidental, Philippines06-2010
Bachelor of Science - Nursing
Medina College
Ozamiz City01.2006
Bachelor of Science - Biology
Mindanao State University- Iligan Institute of Technology
Iligan, Province Of Lanao Del Norte, Philippines01.2002
High School Diploma -
Misamis Occidental Nat’l High School
Oroquieta, Province Of Misamis Occidental, Philippines01.1998
Primary Education
Stella Maris College
Oroquieta, Province Of Misamis Occidental, Philippines01.1994
Skills
- Operational efficiency management
- Regulatory compliance oversight
- Team skill enhancement
- Sales team leadership
- Field proficiency
- Customer engagement
- Effective team contributor
Accomplishments
- Received the “Area Sales Award” for exemplary performance and recognition for handling the largest account in the company.
- Led the bank with more than P100Mn in deposits per year.
- Repeatedly received recognition and awards from superiors for excellence in service.
- Supervised sales team of 50 Sales Officers.
Training
- FELLOW FOR LEADERSHIP AND MANAGEMENT by People Management Assoc of the Philippines (PMAP)
- CONSULTATIVE SELLING FOR BANKERS by AESOD Training
- PHILIPPINE ASSOCIATION OF REALTY CONSULTANTS (PARCS) and SPECIALISTS, Inc., PARCS Cebu Chapter, Cebu City
- REAL ESTATE BROKER SEMINAR AND REVIEW- IPREE, Roxan Hotel, Pagadian City
- REAL ESTATE APPRAISER AND SEMINAR- IPREE, Highway 10, Ozamiz City
- PROFESSIONAL SELLING SKILLS- AUB Area 7-VIP Hotel, CDO City
- REGISTERED FINANCIAL CONSULTANT- Int’l Association of Registered Financial Consultants Phils. (IARFC ) Ascott Hotel, Makati June 4-11, 2012
- ESTATE PLANNING ACCREDITATION – by Atty. Angelo Cabrera. St. Giles, Makati City. April 2012
- MANAGER’S SALES MENTORING PROGRAM- Rockwell, Makati City May 2011
- AXA ASIA LEADERSHIP FOUNDATION PROGRAM- Tiarra Oriental Hotel, Makati City April 2010
- SALES MANAGEMENT PROGRAM – Manager as Coaches AXA Philippines, Makati City. October 5-7, 2009
- EFFECTIVE RECRUITMENT PROGRAM –Competency Based Approach. AXA Philippines, Makati City February – 2009
- INVESTMENT TRAINING – A Simple Approach. Dusit Hotel, Makati City July 2008
- LEADERSHIP LEARNING SERIES- Training the Trainers. Heritage Hotel, Roxas Boulevard, Manila. June 2008
- MANAGERS FOUNDATION COURSE AXA Academy, Makati City. June – 2007
- VARIABLE LIFE INSURANCE TRAINING. Metrobank Mindanao Regional Center, Davao City. July – 2005
- SALES FOUNDATION COURSE Dynasty Court Hotel, Cagayan de Oro. June- 2005
- BASIC SALES AND COMM SKILLS TRAINING ALTOMED PHARMACEUTICALS, Cebu City. March- 2004
HIGHLIGHT OF QUALIFICATIONS
- Entrepreneur, Owner/Manager of JAK’s Bar and Grill in Ozamiz City
- Regional Sales Head- Northern Mindanao Area for Philippine Business Bank- A Savings Bank
- Panelist, DTI (Go Negosyo) KMME Program of Misamis Occidental from Year 2016 to Present
- Board of Director for Ozamiz City Chamber of Commerce Foundations Inc. and Ozamiz Filipino-Chinese Chamber of Commerce Inc.
- Regional Governor- The Fraternal Order of Eagles-Philippine Eagles of Western Mindanao Region 2 (Misamis Occidental)
- Chairman of the Board- Cotta Shrine Eagles Cooperative EY2019-222
- President, Philippine Management Association of the Philippines PY2020-2022
- President, Ozamiz City Bankers Club Inc. for by 2013-2015
- PRC Licensed Realtor as RE Appraiser, RE Broker and RE Consultant
- Registered Financial Consultant (RFC) by Int’l Assoc. of Registered Financial Consultant
- Accredited Estate Planner (AEP) by Registered Financial Planner Inc.
- Highly skilled in people management gained from more than thirteen (17) years of experience in handling people.
- Have solid sales and marketing background in banking, insurance, stocks/bonds investments, and pharmaceuticals on both individual and group accounts.
Timeline
Branch Head
Philippine Savings Bank (PSBank)
09.2023 - 08.2024
Regional Sales Head-Northern Mindanao
PHILIPPINE BUSINESS BANK
09.2021 - 08.2023
Business Manager
PHILIPPINE BUSINESS BANK
09.2019 - 08.2021
Branch Head
AXA PHILIPPINES
09.2018 - 06.2019
Project Coordinator's Assistant
ACTFAST RESTORATION & REPAIR, Ltd.
01.2018 - 07.2018
Business Manager
SECURITY BANK CORP.
08.2016 - 12.2017
Branch Manager
ASIA UNITED BANK CORP.
03.2013 - 07.2016
District Sales Manager
AXA PHILIPPINES
01.2012 - 02.2013
Area Sales Manager
AXA PHILIPPINES
07.2007 - 12.2011
Financial Executive
AXA PHILIPPINES
06.2005 - 06.2007
Territory Manager
ALTOMED PHARMACEUTICALS
03.2004 - 04.2005
Real Estate Consultancy - Real Estate Management And Consultancy
Philippine Association of Realty Consultants And Specialists
Bachelor of Science - Real Estate Brokerage
Institute of Professional Real Estate Education
Bachelor of Science - Real Estate Appraisal
Institute of Professional Real Estate Education
MBA - Masters in Business Administration
Misamis University
Bachelor of Science - Nursing
Medina College
Bachelor of Science - Biology
Mindanao State University- Iligan Institute of Technology
High School Diploma -
Misamis Occidental Nat’l High School
Primary Education
Stella Maris College
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