Joselito Manuel valdez
Bachelor of Secondary Education
Panabo, Province of Davao del Norte
Summary
Proven Credit Specialist with a track record of enhancing loan feasibility and reducing bad debt for Panabo Multi-purpose Cooperative. Excelled in financial statement analysis and relationship management, achieving a significant decrease in past due balances. Skilled in documentation review and devising effective collection strategies, demonstrating a results-driven approach to credit management.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Credit Specialist
Panabo Multi-purpose Cooperative
2012.07 - Current
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Education
Bachelor of Science - Physical Education And Coaching
University of Cebu
Cebu City, Province Of Cebu, Philippines 2001.04 -
Skills
Loan Underwriting
Certification
[Area of certification] Training - [Timeframe]
Timeline
Credit Specialist
Panabo Multi-purpose Cooperative
2012.07 - Current
Bachelor of Science - Physical Education And Coaching
University of Cebu
2001.04 -
[Area of certification] Training - [Timeframe]
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