Summary
Overview
Work History
Education
Skills
Certification
Timeline
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JONATHAN BACALSO

JONATHAN BACALSO

San Fernando, Carles, Iloilo

Summary

Dynamic Credit Analyst with extensive experience at Bangko Kabayan Inc., excelling in credit risk assessment and financial analysis. Proven ability to enhance credit evaluations and drive revenue growth through effective team leadership and data-driven insights. Skilled in data analysis and fostering collaboration, ensuring compliance and operational excellence.


Overview

18
18
years of professional experience
1
1
Certification

Work History

Credit Analyst

BANGKO KABAYAN INC.
07.2023 - 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.
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.

Area Head

PROGRESSIVE BANK INC.
04.2016 - 07.2023
  • Manage loan portfolio and delinquency reports
  • Presented reports on area achievements to senior management, highlighting successes and areas for improvement.
  • Drove revenue growth through effective sales coaching techniques that resulted in improved team performance.

Area Supervisor

PROGRESSIVE BANK INC.
03.2009 - 04.2016
  • Oversaw daily operations to ensure adherence to company policies and procedures, maintaining consistency across all locations.
  • Conducted routine inspections to check quality and compliance with established specifications.
  • Maintained open lines of communication between management and staff, facilitating teamwork and collaboration towards shared goals.

Account Officer

PROGRESSIVE BANK INC.
04.2007 - 03.2009
  • Conduct orientation and CI/BI to prospect client of the bank
  • Conduct weekly center meeting and collection
  • Monitor loan portfolio and delinquency

Education

Bachelor of Business Management - Major in Marketing

Northern Iloilo Polytechnic State College
Estancia, Iloilo
03-2007

Skills

  • Credit Risk assessment
  • Credit Analysis
  • Data Analysis
  • Driving motorcycle
  • Proficient in Computer Applications

Certification

Civil Service Eligibility - Sub Professional

Timeline

Credit Analyst

BANGKO KABAYAN INC.
07.2023 - Current

Area Head

PROGRESSIVE BANK INC.
04.2016 - 07.2023

Area Supervisor

PROGRESSIVE BANK INC.
03.2009 - 04.2016

Account Officer

PROGRESSIVE BANK INC.
04.2007 - 03.2009

Bachelor of Business Management - Major in Marketing

Northern Iloilo Polytechnic State College

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JONATHAN BACALSO