Paolo Laceda
Taguig, Metro Manila
Summary
Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives.
Overview
5
5
years of professional experience
Work History
Credit Analyst
Bank of the Philippine Islands
02.2021 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Customer Service Sales Representative
Bank of the Philippine Islands
09.2019 - 01.2021
- Boosted sales revenue by identifying customer needs and recommending appropriate products or services.
- Built rapport with customers through empathetic listening and understanding their unique needs or preferences.
- Increased customer satisfaction by addressing and resolving complex issues effectively.
- Implemented upselling techniques to increase average transaction value and drive additional revenue growth.
Education
Bachelor of Science - Financial Management
Tarlac State University
Tarlac City, Province Of Tarlac, Philippines06-2019
High School Diploma -
Saint Pius X Institute of Nampicuan
Nampicuan, Nueva Ecija05-2015
Skills
- Credit analysis
- Credit decisions
- Risk mitigation strategies
- Information verification
- High risk account reviews
- Credit decision making
- Fraud Detection
Accomplishments
- BPI Credit - 1st and 2nd quarter Division Top Credit Analyst for Efficiency Rate Category (2024)
- BPI Credit - 2nd and 3rd quarter Division Top Credit Analyst for Approval Rate Category (2024)
- BPI - Low Counter Certification Program (Dec 2020)
- BPI - Teller Certification Program (Sept 2019)
Timeline
Credit Analyst
Bank of the Philippine Islands
02.2021 - Current
Customer Service Sales Representative
Bank of the Philippine Islands
09.2019 - 01.2021
Bachelor of Science - Financial Management
Tarlac State University
High School Diploma -
Saint Pius X Institute of Nampicuan
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