Overview
Work History
Education
Accomplishments
Timeline
Generic

Margaret Ronquillo-Escueta

Auto Services Officer
Pandacan

Overview

16
16
years of professional experience

Work History

Auto Services Officer

Philippine National Bank
03.2023 - Current
  • Manages full auto post sales front-end related concerns of auto loan
    portfolio consist of insurance renewal management, customer
    fulfillment management and OR/CR management including receipt of
    collaterals.
  • Ensures direct coordination with business unit on submission of ORCRs
    from accredited dealers.
  • Responsible for Oral & Written Communication with Auto Sales
    Customers as a result of sent out notifications.
  • Manages relationship with Accredited Insurance Providers for business
    growth and ensures actual collections of insurance payment renewals
    (amortized and annual) including claims and disputes.
  • Collaborate with Division Head on strategic and directional
    improvement on Auto loan services.

Auto Loans Account Officer / Relationship Officer

Philippine National Bank
06.2018 - 02.2023
  • Market the Bank’s Auto Loan products to assigned PNB Branches of the
    bank and other bank products
  • Initiate marketing activities with the branches to increase referrals.
  • Follow up status of the application with Credit Group and relay the
    credit decision to the referring PNB Branches on time.
  • Responsible for following up with the assigned PNB Branches all the
    documentary deficiencies of their accounts and ensure compliance for
    the timely release of dealers’ proceeds and incentives.
  • Responsible for the compliance of all post booking requirements of
    Auto Loan.
  • Report changes in the consumer finance market and make
    recommendations for strategy review.
  • Establish good rapport and relationship with assigned PNB Branches.
  • Monitor and report production of assigned branches to Top
    Management.
  • Attend Area Meetings and conduct briefings & updates of new
    products, policies, etc.

Auto Loan Branch Account Officer

China Bank Savings, Inc.
05.2016 - 06.2018
  • Handles branch referred applications and monitors status.
  • Pre-screen loan applications in accordance to the bank’s credit
    criteria.
  • Ensures timely processing of loan applications
  • Relay and reviews all loan documents prior to release and booking
    of all branch referred accounts
  • Provides ALD Head and Branch Channel Head with various reports.
  • Coordinates with various branches, auto sales & support personnel, dealership personnel on the update of accounts released and
    booked.
  • Follows up and monitor submission of auto loan documentary
    deficiencies.

Collection Officer

China Bank Savings, Inc.
09.2014 - 04.2016
  • Oversees team collections handling through regular review of daily
    transactions and proper resource planning to ensure team members
    comply to set productivity targets.
  • Handles disputed transactions, reconciliation of accounts and other
    escalations when necessary, through follow-ups and careful review
    of transactional history to expedite resolution.
  • Ensures consistent implementation of action plans, controls and
    other corrective measures resulting from process improvements or
    initiatives through regular monitoring and reporting of updates to
    effectively establish controls and minimize exposure.
  • Provides performance feedback and discusses work-related issues
    through conduct of regular meetings/coaching to prioritize the
    activities of the team given the changing division/corporate goals,
    work targets, performance standards and available resources.
  • Monitors attendance of staff regularly in terms of tardiness and
    absences through review and monthly reporting of attendance
    summary to effectively manage work allocations and meet team
    targets.


Personal Loan Recovery Officer

China Bank Savings, Inc.
08.2013 - 08.2014
  • Monitor the day-to-day collection activities of personal loan
    collections associate.
  • Oversees the daily collection activities needed to collect from
    personal loan accounts who have defaulted on their monthly
    amortization payments.
  • Ensures that appropriate demands required to collect from personal
    loan accounts have been initiated through telephone call follow-
    ups, sending sms, sending of collection notices / demand letters and
    skip tracing.
  • Ensures that proper coordination with other concerned units of the
    bank is done in order to have a synchronize collection work for the
    speedy and timely resolution of delinquent personal loans.
  • Reviews accounts for endorsements/ re endorsements to collection
    agencies
  • Coordinates with collection agencies and provides assistance in
    collecting dues from clients.
  • Strictly monitors and/or supervise the performance of each external
    collection agency to ensure optimum recovery.
  • Prepares the monthly billing of the external collection agencies’
    commission fees.
  • Conducts field visits to external agencies.
  • Process request for payment of commission fees of external
    agencies.
  • Recommend for legal action all delinquent accounts with arrearages
    specified in the Bank policies on instituting legal action, and
    coordinate the same to Legal.

Collection Associate

China Bank Savings, Inc.
04.2012 - 07.2013
  • Performs collection calls to negotiate for full or partial settlements
    from clients to make past due accounts current and to avoid
    possible transfer of such accounts to a higher delinquency
    level/bucket.
  • Ensures that all client requests are facilitated and coursed to
    appropriate units/departments.
  • Reconcile payment records of client with that of the bank
  • Prepare and serve statement of account for past due clients
  • Monitor and ensure timely completion of assigned account queue
  • Recommend accounts for field visit or skip tracing
  • Prepare collection letters within assigned buckets
  • Entertains walk-in and phone-in queries

Auto Loans Customer Service Associate

China Bank Savings, Inc.
06.2011 - 03.2012
  • Handles all auto loan customer service-related concerns and
    requests
  • Create professional and friendly environment providing fast, flexible
    and efficient service to customers
  • Prepares welcome letter to all newly booked auto loan accounts
  • Monitors expiry of comprehensive insurance policies
  • Properly notifies clients that their comprehensive insurance policies
    should be automatically renewed by the Bank in case of non-
    submission and ensures that the client is provided a copy of the
    renewal.

Credit Associate

Sterling Bank Of Asia
11.2007 - 05.2011
  • Schedules routes and assignments of workload of field CIs.
  • Program workloads of In-house CIs
  • Ensures that CI outputs are delivered to requesting parties within
    the agreed timetable.
  • Ensures that the CI Team is functioning efficiently and effectively
    from supplies, MIS support and feedbacks for improvement from
    internal and external parties, among others.
  • Ensures that CI Head and Credit Operations Head are provided with
    relevant reports in the periodic operations of the CI Team.
  • Ensuresthat report requirements from external parties (e.g. BAP, CMAP,
    BSP) and internal parties (e.g. Compliance, Accounting, Lending) are
    provided on time.
  • Conducts CMAP/NFIS/Loandex, employment verification,
    trade/credit/bank checking thru phone.

Education

Bachelor of Arts - Communication Arts

Angelicum College
Quezon City
06.2024 -

Accomplishments

    2017 Auto Loan Branch Account Officer, China Bank Savings Inc.

    40th Supervisory Development Program (China Bank Savings)

Timeline

Bachelor of Arts - Communication Arts

Angelicum College
06.2024 -

Auto Services Officer

Philippine National Bank
03.2023 - Current

Auto Loans Account Officer / Relationship Officer

Philippine National Bank
06.2018 - 02.2023

Auto Loan Branch Account Officer

China Bank Savings, Inc.
05.2016 - 06.2018

Collection Officer

China Bank Savings, Inc.
09.2014 - 04.2016

Personal Loan Recovery Officer

China Bank Savings, Inc.
08.2013 - 08.2014

Collection Associate

China Bank Savings, Inc.
04.2012 - 07.2013

Auto Loans Customer Service Associate

China Bank Savings, Inc.
06.2011 - 03.2012

Credit Associate

Sterling Bank Of Asia
11.2007 - 05.2011

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Margaret Ronquillo-EscuetaAuto Services Officer