Ma. Joy Immaculate M. Paguirigan (Joy)

ROPA and Remedial Staff

• Prepare document needed for filing of case for past due accounts.
• Prepare complaint, petitions with annexes for filing of case.
• Prepare payment for the filing fees, RET payments of cases for Real Estate accounts.
• Prepare notices such eviction letter, letter of possession and consolidation of acquired Real Estate accounts.
• Prepare requirements of accounts possible for write-off for review and approval of Management, Credit Write-Off Committee and Board

Institutional Banking and Business Banking Loan – Pre-Processor

• Review and check completion of loan documents of client prior approval/grant of loan.
• Monitor documentary deficiencies due for regularization.
• Custodian of Titles, Promissory Notes and Term Loan Agreements.

Accounting Staff for the unit

• Check and monitors floats of loan proceeds for Auto prior request of MC preparation.
• Custodian of Managers Check and monitors database.
• Processor of Unit expenses such as reimbursement of supplies, court hearings, filing to consolidation expenses of acquired assets.

Redemption and Settlement Unit – Real-estate IL Settlement Associate

Acquired Assets Management Department

• Handles settlement negotiation of past due loans including accounts filed with Extra-Judicial Foreclosure.
• Reviews and assess accounts background for preparation of proposal and negotiations.
• Prepares client’s proposal on settlement of the litigated account for endorsement and approval of the Officers, waivers, discounts, or compromise settlement terms which serve the best interest of the Bank.
• Creates and presents accounts assessment summary of loan background, settlement options and unit’s recommendation for account’s resolution for approval of management and of handling special accounts.
• Prepares Offering Memo on settlement of accounts for endorsement and approval of the Officers, waivers, discounts which serve the best interest of the Bank.
• Prepares Statement of Account for the actual loan obligation of borrower inclusive of all the expenses incurred by the bank.
• Prepare monitoring report of filed accounts.
• Coordinates with the BPI Legal Counsel l on the accounts assessments and legal advice.
• Encodes account latest updates in system and database for monitoring.

Redemption and Settlement Unit – Real-estate Redemption Associate

Acquired Assets Management Department

• Handles settlement negotiation of foreclosed/ROPA accounts within redemption.
• Prepares Statement of Accounts for the actual obligation of the borrower inclusive of all foreclosure expenses incurred by the bank.
• Prepares Offering Memo on settlement of the litigated account for endorsement and approval of the Officers, waivers, discounts, or compromise settlement terms which serve the best interest of the Bank.
• Prepares external documents related to settlement transaction such as Certificate of Redemption
• Prepares Disposal set up for preparation of payment reference.
• Encodes account latest updates in system and database for monitoring.

Sum of Money/Deficiency Claims - Settlement Assistant

Acquired Assets Management Department

• Review accounts foreclosed for the month to determine the accounts with deficiency balance that will warrant the filing of Sum of Money case.
• Prepares recommendation for filing reduced claim or non-filing of Sum of Money case for approval of Bank’s Credit Committee.
• Prepares Sum of Money Motions and monitors status.
• Coordinates and negotiates with client for settlement of foreclosure deficiency balances.
• Encodes account latest updates in system and database for monitoring.
• Creates and presents case digest/summary of loan origination background, settlement options and unit’s recommendation for account’s resolution for approval of management.
• Requests property checking to determine if client has clean leviable property.
• Prepares E-PROC processing of LAAE related expenses.
• Recommends accounts possible for write-off for review and approval of Management, Credit Write-Off Committee and Board

• Manage the team, assign task to team members during field works.
• Print payrolls for beneficiaries.
• Prepare reports for cash breakdowns.
• Assign team members for cash distribution for 4P's beneficiaries.
• Balancing actual cash distributed versus payroll certificate for the preparation of Certificate of Accounting.
• Prepare Certificate of Accounting.
• Prepare List of Paid and Unpaid to be submitted to the Landbank od the Philippines.
• Prepare Billing Statements for Accounting Department.
• Consolidate and arrange payroll list for DSWD.
• Prepare liquidation for the expenses incurred during field works.