Joshua Erick Lovino
Mariveles
Summary
Dynamic professional with extensive experience at Watchlife Workers Multi-purpose Cooperative, excelling in credit risk assessment and customer relations. Proven ability in database entry and records retrieval, fostering strong client relationships while negotiating payment plans. Adept at analyzing financial data, demonstrating both analytical and interpersonal skills to drive successful outcomes.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Clerk
LGU Mariveles
08.2023 - Current
- Provided quality clerical support through data entry, document management, email correspondence, and overseeing operation of office equipment.
- Maintained filing system and organized customer documents for easy retrieval of information.
- Answered and managed incoming and outgoing calls while recording accurate messages for distribution to office staff.
- Kept office supplies well organized and sufficiently stocked, placing orders promptly to replenish materials before depleted.
- Informed and supported business leaders through consistent communication and administrative support duties.
- Input data into spreadsheets and databases.
- Edited documents to keep company materials free of grammar errors.
- Processed incoming and outgoing mail and packages according to established procedures.
Loan Monitoring and Collection Officer
Watchlife Workers Multi-purpose Cooperative
01.2022 - 03.2022
- Utilized sharp research skills to track down delinquent account information.
- Contacted delinquent members by phone, email and mail to determine reasons for delinquency.
- Determined when repossession would be best course of action, preparing appropriate documentation.
- Documented all daily collections and delinquent account activities by uploading information to company's database.
- Worked closely with delinquent members to develop plan of payment in order to rectify outstanding accounts.
- Used skip tracing and other techniques to locate debtors.
- Negotiated to collect balance in full.
- Processed payments and applied to customer balances.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Researched accounts and completed due diligence to resolve collection problems.
- Used probing techniques to determine debtors' reasons for delinquency.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
- Established relationships with customers to encourage payment of delinquent accounts.
- Responded to customer inquiries and provided detailed account information.
- Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Investigated customer credit references and approved credit lines.
Credit Investigator/Background Investigator
Watchlife Workers Multi-purpose Cooperative
04.2018 - 01.2022
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Gathered loan documentation for underwriting.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Performed credit reviews on corporations to assess financial conditions.
- Improved understanding of financial statements, which helped in assessing risk.
- Negotiated payment plans and loan terms with delinquent customers.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Conducted comprehensive interviews with subjects, employers, associates, references, and other individuals.
- Obtained background check data on characters, financial statuses and personal histories.
- Documented information and submitted detailed reports.
- Traveled to near and far places required for collecting specific information.
- Searched computer databases, credit reports, public records or other resources to locate persons or to compile information for investigations.
- Set up both auditory and visual monitoring and recording devices.
HR Coordinator
Jepar Manpower and General Services
08.2015 - 09.2016
- Assisted with recruitment process by posting job ads, filtering applications, scheduling interviews, assisting in interview process and drafting offer letters.
- Supported human resources staff with new hire orientations and monthly departmental meetings.
- Evaluated timecards for accuracy on regular and overtime hours.
- Maintained human resources information system and kept employee files up to date and accurate.
- Completed background and reference checks to facilitate hiring and onboarding of employees.
- Reviewed human resources paperwork for accuracy and completeness.
- Explained employee compensation, benefits, schedules, working conditions, and promotion opportunities.
- Completed employee employment verifications and unemployment paperwork prior to hire or termination.
- Supported HR functions with emphasis on record keeping, data entry, and general HR tasks.
- Supported employee relations, cultivating retention with welcoming and inclusive work culture.
- Conducted new employee onboarding and provided ongoing orientation training.
- Compiled and monitored data for employee records and personnel documents to support accurate recordkeeping.
- Maintained current knowledge of industry regulations and legislation to amend policies and promote compliance.
Education
No Degree - Computer Hardware Servicing
Softnet Information Technology Center
Mariveles, Province Of Bataan, Philippines01-2012
Skills
- Records retrieval
- Spreadsheet development
- Database entry
- Graphic arts design
- Technical support
- Software configuration
- Troubleshooting and Diagnostics
- Hardware installation
- Audio-to-video synchronization
- Sound editing proficiency
- Photography
- Audio visual equipment
- Adaptive learning
- Sound editing
Certification
PREVENTION, DETECTION & HANDLING OF FRAUD
THE CENTRAL LUZON REGION LEAGUE (CLRL)
March 19, 2021
BASIC OCCUPATIONAL SAFETY & HEALTH TRAINING FOR SAFETY OFFICER 1
DEPARTMENT OF LABOR AND EMPLOYMENT (DOLE)
March 24 - 25, 2021
COLLECTORS TRAINING
THE CENTRAL LUZON REGION LEAGUE (CLRL)
June 09, 2021
BASIC COMPUTER PROGRAM
THE CENTRAL LUZON REGION LEAGUE (CLRL)
July 27, 2021
LABOR RELATIONS, HUMAN RELATIONS & PRODUCTIVITY
DEPARTMENT OF LABOR AND EMPLOYMENT (DOLE)
October 11, 2015
Timeline
Clerk
LGU Mariveles
08.2023 - Current
Loan Monitoring and Collection Officer
Watchlife Workers Multi-purpose Cooperative
01.2022 - 03.2022
Credit Investigator/Background Investigator
Watchlife Workers Multi-purpose Cooperative
04.2018 - 01.2022
HR Coordinator
Jepar Manpower and General Services
08.2015 - 09.2016
No Degree - Computer Hardware Servicing
Softnet Information Technology Center