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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