Jin Howell Jang
Rosario, Province Of Cavite
Summary
Dynamic Credit Analyst with expertise in risk assessment and financial statement analysis at BPI Direct BanKo, Inc. Proven ability to enhance credit decisions through meticulous evaluation of credit scores and reports. Strong customer service skills, adept at resolving conflicts and fostering loyalty, ensuring optimal outcomes for both clients and the organization.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Credit Analyst
BPI Direct BanKo, Inc.
11.2023 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Customer Service Specialist
Iqor
10.2022 - 06.2023
- Handled escalated calls calmly, finding resolutions that satisfied both the company and the customer''s needs.
- Managed high call volume while maintaining a courteous and professional demeanor.
- Assisted new employees with training, sharing best practices for handling difficult situations and achieving positive outcomes.
- Adapted quickly to changes in company policies or procedures ensuring consistency in delivering accurate information to customers.
Customer Service Representative Tier 3
Straive
06.2022 - 09.2022
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
- Responded to customer requests for products, services, and company information.
Virtual Assistant
Agent Only Platform
07.2021 - 05.2022
- Monitored emails, organized inbox, and prioritized messages for supervisor. Answered and screened calls to provide information, schedule appointments and take detailed messages.
Ordinary Seaman
Montenegro
09.2017 - 11.2018
- Supported vessel''s maintenance tasks by painting, chipping rust, greasing machinery, and conducting routine inspections to extend the ship''s lifespan.
Education
Master In Management Major in Public AD - Public Administration
Philippine Christian University
Emilio Aguinaldo Hwy, Sampaloc 1, City Of Dasmariñ08-2025
Bachelor of Science - Marine Transportation
Asian Institute of Maritime Studies
Arnaiz St., Cor. Roxas Blvd. Pasay City Metro Man05-2016
Skills
- Risk assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Credit decisions
- Cash flow analysis
- Customer service
Certification
Civil Service Passer 2025
Timeline
Credit Analyst
BPI Direct BanKo, Inc.
11.2023 - Current
Customer Service Specialist
Iqor
10.2022 - 06.2023
Customer Service Representative Tier 3
Straive
06.2022 - 09.2022
Virtual Assistant
Agent Only Platform
07.2021 - 05.2022
Ordinary Seaman
Montenegro
09.2017 - 11.2018
Master In Management Major in Public AD - Public Administration
Philippine Christian University
Bachelor of Science - Marine Transportation
Asian Institute of Maritime Studies
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