JANETH CENAS BUGTAI
Poblacion Compostela
Summary
Reliable professional with reasonable expertise in banking industry, prepared to drive operational excellence and customer satisfaction. Known for strong leadership, fostering collaborative team environments, and adapting to changing needs. Adept in financial analysis, risk management, and customer relationship management. Dependable and committed to continuous learning.
Overview
22
22
years of professional experience
4
4
years of post-secondary education
Work History
Branch Relationship Manager
TRBank Inc. (A Rural Bank)
05.2024 - Current
- Marketing of deposit products; Develop and implement strategies to achieve branch deposit sales targets and related financial objectives
- Branch Administration; Oversee general administrative functions within the branch, ensuring adherence to policies, procedures, and regulatory requirements.
- Approves and reviews account opening and other transactions in the system and as well as in customer information documentation.
- Customer Relationship Management; Build and maintain strong relationships with customers to identify their banking needs and provide appropriate solutions.
- Provide regular updates and reports on branch performance, market conditions, and competitive landscape.
- Participate in meetings and contribute insights to enhance branch operations
- Alternate custodian of vault combination and other bank access keys
- Endorses loan applications (real estate and car loans)
Branch Head
Rizal Microbank - A Thrift Bank of RCBC
03.2016 - 05.2024
- Marketing of Business Loans covered by north Cebu area
- Ensure quality portfolio of processed regular loans
- Prepares Loan Proposal and Financial Analysis Projection of borrowers for their loan application
- Conducts bank checking, credit checking, and background checking of loan applicants.
- Prepare monthly, weekly, and semi-monthly reports required by the management.
- Evaluate loan proposals of account officers and ensure that financial capacity and character are acceptable before endorsing for approval
- Ensure that branch operations are in order in case of absence of any personnel
- Marketing of deposit products.
- Prepares annual branch budget
Finance Supervisor
Titay's Liloan Rosquillos and Delicacies Incorporated
04.2014 - 02.2016
- Take charge of the sales (cash and check) and ensure that all are accounted for and deposited to the depository banks
- Check and reconcile bank records to ensure all transactions are accounted for
- Report to the CEO daily to report on sales and payables to be paid
- Check payroll submitted by HR and takes charge of payroll portal
- Prepare financial reports to be submitted to management and external bookkeeper
- Over all cash custodian
Branch Head
Katipunan Bank Inc. (A Rural Bank)
01.2013 - 04.2014
- Overall supervision of the branch. Approves and signs withdrawals, Credit/Debit Memos & other bank related documents.
- Conducts cash counting weekly and checks daily transactions of the branch and ensures proper documentations are being followed.
- Prepares pre-processing reports for new loan applicants and facilitates loan renewals of existing borrowers. Conduct orientation before disbursements.
- Marketing of bank products and services. Visits existing borrowers for monitoring and assessment of business.
- Evaluation of loan applications of all bank products, microfinance loans, business loans, Deped loans, salary loans of private and public institutions
- Prepares branch annual budget
Branch Head
Katipunan Bank Inc. (A Rural Bank)
07.2006 - 12.2012
- Overall supervision of the branch. Approves and signs withdrawals, Credit/Debit Memos & other bank related documents.
- Conducts cash counting weekly and checks daily transactions of the branch and ensures proper documentations are being followed.
- Prepares pre-processing reports for new loan applicants and facilitates loan renewals of existing borrowers. Conduct orientation before disbursements.
- Marketing of bank products and services. Visits existing borrowers for monitoring and assessment of business.
- Evaluation of loan applications of all bank products, microfinance loans, business loans, Deped loans, salary loans of private and public institutions
- Prepares branch annual budget
Branch Cashier
Katipunan Bank, Inc. (A Rural Bank)
01.2005 - 06.2006
- Responsible for vault combinations and management
- Ensure proper cash transactions to and from depository banks
- Responsible for management of all accountable forms
- Supervision of tellers to ensure proper cash transactions of the branch
- Receives cash and check payment from account officers
- Responsible for safekeeping and monitoring of loan collaterals
- In charge of bank keys and logbooks monitoring
- Review and check the day-to-day transactions and system validation on deposits, withdrawal slips, and payment slips
Branch Bookkeeper
Katipunan Bank, Inc. (A rural Bank)
12.2003 - 12.2004
- Check and reconcile daily transactions of the branch
- Check and reconcile daily depository bank transactions
- Ensures completeness of all loan documents before disbursements
- Prepare all branch reports to be submitted to concerned departments
- Conducts cash counts
- Responsible for branch permits and licenses
- Checks correctness and completeness of deposit documentation
- Acts as deputy compliance officer of the branch
Education
Bachelor of Science - Accountancy
Andres Bonifacio College
Dipolog City, Province Of Zamboanga Del Norte, Philippines 01.1998 - 01.2002
Skills
Accounting Skills
Portfolio Management
Loan Origination
Cash handling expertise
Sales management
Credit analysis
Effective staff supervision
Operational Efficiency
References
Anne, Tecarro, RCBC, Consolacion Manager, 09173230254
Accomplishments
- Civil Service Professional
- Licensed Financial Advisor
Training
- Managing People: An overview in Decision making and delegation
- Loan evaluation courses
- Mentoring and Counseling
- Microfinance enhancement seminar (both MABS and ASA Approach)
- Enhancement on How to conduct meeting and time management
- AMLA training
- Signature verifications and forgery detection seminars
- Credit and collection training
- Six Sigma methodologies seminar
Timeline
Branch Relationship Manager
TRBank Inc. (A Rural Bank)
05.2024 - Current
Branch Head
Rizal Microbank - A Thrift Bank of RCBC
03.2016 - 05.2024
Finance Supervisor
Titay's Liloan Rosquillos and Delicacies Incorporated
04.2014 - 02.2016
Branch Head
Katipunan Bank Inc. (A Rural Bank)
01.2013 - 04.2014
Branch Head
Katipunan Bank Inc. (A Rural Bank)
07.2006 - 12.2012
Branch Cashier
Katipunan Bank, Inc. (A Rural Bank)
01.2005 - 06.2006
Branch Bookkeeper
Katipunan Bank, Inc. (A rural Bank)
12.2003 - 12.2004
Bachelor of Science - Accountancy
Andres Bonifacio College
01.1998 - 01.2002
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