MELODY MAUREEN D. TALAN
Muntinlupa City
Summary
Talented Loan Processor with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
21
21
years of professional experience
Work History
Senior Loan Officer
Rykom Finance Corp.
07.2023 - Current
- Evaluated loan applications and creditworthiness to determine eligibility for mortgage products.
- Collaborated with clients to identify financial needs and recommend tailored loan solutions.
- Managed comprehensive loan processing from application through underwriting, ensuring compliance with regulations.
- Mentored junior loan officers, providing guidance on best practices and complex case resolutions.
- Developed strategic partnerships with real estate agents to enhance referral networks and increase business opportunities.
- Analyzed market trends to inform lending strategies and optimize product offerings for clientele.
- Streamlined operational processes, resulting in improved turnaround times for loan approvals and disbursements.
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Mentored junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
- Enhanced loan application process by streamlining documentation and improving communication channels with clients.
- Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
- Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
- Created detailed reports analyzing potential borrowers'' creditworthiness, presenting findings to management for informed decision-making purposes.
- Collaborated with other departments to promptly process loan applications.
- Examined customer loan applications for loan approvals and denials.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Monitored pipelines to track and log status of loans.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Evaluated loan requests and documents to verify accuracy and completeness.
Loan Processor
Empire Finance Group Pty. Ltd.
09.2022 - 06.2023
- Processed loan applications efficiently, ensuring compliance with regulatory standards and internal policies.
- Reviewed financial documents for accuracy, verifying borrower information and income sources.
- Coordinated communication between lenders, borrowers, and real estate agents to streamline application progress.
- Assisted in resolving discrepancies by analyzing detailed reports and collaborating with team members.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
Relationship Manager
Robinsons Bank
04.2017 - 05.2022
- Company Overview: Robinsons Bank Corporation, also known as RBank, is a commercial bank that provides banking services for retail and business customers in the Philippines.
- I had been a Top Sales Performer for 2 consecutive years and achieved more than 150% of the sales target (2018-2019). Consequently, managed as a top performer and contributed income to the Company.
- Managed front-end and back-end development in the Loan Portfolio and Account Management.
- Carefully monitored customer account relationships through strategic financial analysis.
- Acquire a thorough understanding of key customer needs and requirements.
- Expand the relationships with existing customers by continuously proposing solutions that meet their objectives.
Account Officer
AllBank Inc.
01.2014 - 03.2017
- Company Overview: AllBank (A Thrift Bank), Inc. is in the business of providing specialized financing products and services to working-class Filipinos and business owners.
- Increased sales that generated income for the Company.
- Managed front-end and back-end development in the Loan Portfolio and Account Management.
- Carefully monitored customer account relationships through strategic financial analysis.
- Acquire a thorough understanding of key customer needs and requirements.
- Expand the relationships with existing customers by continuously proposing solutions that meet their objectives.
- Ensure the correct products and services are delivered to customers promptly.
- Serve as the link of communication between key customers and internal teams.
- Resolve any issues and problems faced by customers and deal with complaints to maintain trust.
- Play an integral part in generating new sales that will turn into long-lasting relationships.
- Presents loan recommendations to the Bank's approving body (Credit Committee and Board of Directors).
- Professionally handles client complaints to maintain a good business relationship with the Bank.
- Responsible for loan processing, documentation, disbursement, payments, and collections.
- Various report preparations.
- Answer calls and facilitates clients' queries, concerns, and requests when the immediate manager is out of the office.
- Conducts cold-calling and lead generation for prospective loan borrowers via email/call.
- CRM Data Entry and Management.
- Professionally handles client complaints to maintain a good business relationship with the Bank.
- Sending out clients' email updates on their loan applications and conducting follow-ups on the documentary deficiencies.
- Scheduling and booking of appointments.
- Performs ad hoc admin tasks as needed.
Senior Admin./Account Assistant
Security Bank Savings (Now, Security Bank)
03.2012 - 12.2013
- Company Overview: Security Bank Savings was merged with Security Bank Corporation, it is a universal bank in the Philippines.
- Assist immediate loan officer and collections with pre-screening, creating, collecting, and processing paperwork.
- Work closely with borrowers to obtain and prepare accurate cost estimates, manage the loan process, and ensure timely and correct documentation for both the borrower and bank.
- Request Credit Investigation checkings and appraisal of the collateral property being offered as collateral.
- Encoding of financial statements for Spreadsheet analysis.
- Encoding and preparation of loan/legal documents.
- Monitoring daily communications and answering any queries.
- Conducts reconciliation of loan payments.
- Monitoring of client's insurance.
- Explains bank products in a manner that will entice prospective and existing clients to choose Security Bank as their main bank.
- CRM Data Entry and Management.
- Professionally handles client complaints to maintain a good business relationship with the Bank.
- Conducts filing and safekeeping of documents.
- Sending out clients’ email updates on their loan applications and conducting follow-ups on the documentary deficiencies.
- Performs ad hoc admin tasks as needed.
Administrative/Account Assistant
Premiere Development Bank
04.2008 - 02.2012
- Company Overview: Premiere Development Bank (PDB) was a private development bank in the Philippines. It was acquired by Security Bank.
- Assist immediate loan officer and collections with pre-screening, creating, collecting, and processing paperwork.
- Work closely with borrowers to obtain and prepare accurate cost estimates, manage the loan process, and ensure timely and correct documentation for both the borrower and bank.
- Request Credit Investigation checking and appraisal of the collateral property being offered as collateral.
- Encoding of financial statements for Spreadsheet analysis.
- Encoding and preparation of loan/legal documents.
- Monitoring daily communications and answering any queries.
- Conducts reconciliation of loan payments.
- Monitoring of client's insurance.
- Explains bank products in a manner that will entice prospective and existing clients to choose Security Bank as their main bank.
- CRM Data Entry and Management.
- Professionally handles client complaints to maintain a good business relationship with the Bank.
- Conducts filing and safekeeping of documents.
- Sending out clients' email updates on their loan applications and conducting follow-ups on the documentary deficiencies.
- Performs ad hoc admin tasks as needed.
Credit Investigator
Premiere Development Bank
11.2007 - 03.2008
- Company Overview: Premiere Development Bank (PDB) was a private development bank in the Philippines.
- Evaluate, review, and reject loan applications of clients/customers.
- Research and Verify through call, email or other search engine operators if the documents received are valid and authentic.
- Review the credit of the customer focusing on NMI, DBR, payment history, repayment capability, and market value of the security (If any).
- Confirm loan application details by conducting an interview.
- Credit Underwriting/Investigation experience in the financial industry.
- Perform bank checking, credit verification, court verification, trade checking, skip tracing, address verification, and property checking.
- Conduct research via the internet and varied sources.
- Performs ad hoc admin tasks as needed.
Business Process Associate
American Data Exchange Corporation
06.2007 - 10.2007
- Company Overview: American Data Exchange (AMDATEX) is ADEC Innovations' leading-edge member company in business process management. AMDATEX leverages ADEC Innovations' data management and technological resources to bring customized outsourcing solutions that help organizations streamline their processes to focus on their core strengths and competencies.
- Ensures that all work items are completed within the specified turn-around-time.
- Strong emphasis on quality with continuously meeting time-sensitive deadlines.
- Work in a team-based environment with a shared goal.
- Proofread and Identifies inconsistencies in Insurance policies.
- Reviews and identifies if there are adjustments and variances to reconcile.
Service Crew
Jollibee Foods Corporation
04.2005 - 07.2006
- Company Overview: Jollibee is a Filipino multinational chain of fast-food restaurants.
- Take orders from customers and present them as requested.
- Process bills for the customer and also issue them receipts.
- Help with outdoor delivery or with food preparation in the kitchen, depending on what is required at any particular time.
- Pack foods ordered by customers and serve them in the most efficient manner.
- Set the table in an orderly manner before customers show up.
- Get tables cleaned once customers are through with their dining.
- Provide helpful answers to queries or questions proffered by customers.
- Furnish customers with helpful information regarding service time and special deal offers.
Service Crew
Anfil Corp.
04.2004 - 09.2004
- Company Overview: Anfil Corp, is a Jollibee Franchise, It is a Filipino multinational chain of fast food restaurants.
- Take orders from customers and present them as requested.
- Process bills for the customer and also issue them receipts.
- Help with outdoor delivery or with food preparation in the kitchen, depending on what is required at any particular time.
Education
Bachelor of Science - Business Administration, Major in Management
Pamantasan ng Lungsod ng Muntinlupa
01.2007
Highschool - undefined
Muntinlupa National Highschool
01.2003
Elementary School - undefined
Itaas Elementary School
01.1999
Skills
- Analytical and Critical Thinking
- Sales and Negotiation
- Credit and Financial Analysis
- Administrative and Clerical
- Mortgage underwriting expertise
- Goal-oriented mindset
- Effective communication techniques
- Decision-making confidence
- Continuous learning commitment
- Technological savvy
- Conflict resolution
- Credit analysis proficiency
- Information verification
- Problem-solving capacity
- Appraisal compilation
- Application preparation
- Loan origination mastery
- Analytical thinking strength
- Superior negotiation techniques
- Networking and referral building
- Cross-selling aptitude
- Attention to detail precision
- Team leadership experience
- Loan servicing
- Team player
- Customer service-focused
- Consumer lending
- Documentation review
- Credit
- Credit analysis
- Loan origination
- Portfolio management
- Mortgage lending
- Underwriting expertise
- Credit assessment
- Equifax application engine
- Multitasking Abilities
- Attention to detail
References
Character references are available upon request.
Awards
Account Officer of the year (2018 and 2019) Small Business Loans – Robinsons Bank, Achieved more than 125% of the annual sales target
Timeline
Senior Loan Officer
Rykom Finance Corp.
07.2023 - Current
Loan Processor
Empire Finance Group Pty. Ltd.
09.2022 - 06.2023
Relationship Manager
Robinsons Bank
04.2017 - 05.2022
Account Officer
AllBank Inc.
01.2014 - 03.2017
Senior Admin./Account Assistant
Security Bank Savings (Now, Security Bank)
03.2012 - 12.2013
Administrative/Account Assistant
Premiere Development Bank
04.2008 - 02.2012
Credit Investigator
Premiere Development Bank
11.2007 - 03.2008
Business Process Associate
American Data Exchange Corporation
06.2007 - 10.2007
Service Crew
Jollibee Foods Corporation
04.2005 - 07.2006
Service Crew
Anfil Corp.
04.2004 - 09.2004
Highschool - undefined
Muntinlupa National Highschool
Elementary School - undefined
Itaas Elementary School
Bachelor of Science - Business Administration, Major in Management
Pamantasan ng Lungsod ng Muntinlupa
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