Front end development
Priscianel Ramoga
Banker
Montevista,Davao De Oro
Summary
Driven Account Assistant enthusiastic about streamlining operations and increasing team efficiency. Bringing 13 plus years of clerical and customer-focused experience.
Overview
13
13
years of professional experience
5
5
years of post-secondary education
4
4
Certifications
3
3
Languages
Work History
Account Assistant
Peoples Bank of Caraga, Inc.
Lupon, Davao Oriental
06.2020 - 02.2021
- Conducts sales call presentation to prospect clients.
- Develops account for loans and deposits to get trusted by our new clients while recovering past due accounts through cash collection in the field where our old clients are living or doing their businesses.
- Submitting weekly accomplishment reports.
- Making Loans Evaluation Approval Sheet, filling out data for Credit Evaluation Report.
- Making Projected Cash Flows while analyzing ours prospects' capacity to pay.
- Filling out Client Information File and Signature Cards for our newly opened deposit accounts.
Branch Lite Unit Head
Peoples Bank of Caraga, Inc.
Lupon, Davao Oriental
07.2019 - 06.2020
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Used coordination and planning skills to achieve results according to schedule.
- Delivered exceptional level of service to each customer by listening to concerns and answering questions.
- Developed team communications and information for meetings.
- Performed call back checking to ensure compliance with relevant BSP cash handling regulations.
- Collaborated with sales force team to achieve our weekly target if not monthly.
Loan Officer
Peoples Bank of Caraga, Inc.
Lupon, Davao Oriental
01.2019 - 03.2019
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Recommended loan approvals and denials based on customer loan application reviews.
- Developed prospects for new loans by conducting 15 cold calls weekly.
- Maintained strict confidentiality of bank records and client information.
- Developed and maintained relationships with local real estate agents.
- Closely monitored performance of current portfolio of specialty loans and made changes to achieve performance targets.
- Submitted loan applications to underwriter (Credit Commttee) for verification and recommendations.
- Assisted senior-level credit officers with complex loan applications.
- Maintained friendly and professional customer interactions.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, and Privacy Act.
- Analyzed the financial stability of the clients, and conduct feasibility study of the business of the client as to competitive market.
Area Project Supervisor
Peoples Bank of Caraga, Inc.
Lupon, Davao Oriental
04.2015 - 01.2019
- Exceeded goals through effective task prioritization and great work ethic.
- Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
- Successfully maintain clean, valid driver's license and access to reliable transportation.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Actively listened to customers' requests, confirming full understanding before addressing concerns.
- Completed all paperwork, recognizing any discrepancies and addressing them in a timely fashion.
- Served customers in a friendly, efficient manner following outlined steps of service.
- Carried out day-day-day duties accurately and efficiently.
- Handled day-to-day running of micro lending operations, ensuring high levels of productivity and progression.
- Managed quality assurance program, including on-site evaluations, internal audits and customer surveys.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
Development Officer
Peoples Bank Of Caraga, Inc.
Lupon, Davao Oriental
2007.06 - 2015.04
- Conducted community organizing from the starting point of the job.
- Conducted means test, authority protocol, credit investigation and borrower investigation.
- Conducted product orientation, compulsory group training to interested participants.
- Facilitated the filling out of forms and the commitment ceremony.
- Completed loan documents and its summary for fund release and forwarding the same for checking through our Area Project Supervisor.
- Conducted Loan Utilization Check after the release of funds 3 working days henceforth.
- Done weekly center meetings to check the business performance of the clients and give advices to them.
- Have given Continued Education for members every week to make them excited to attend the following week.
- Motivated them to pay their weekly obligation.
- Taught them to conduct group reporting, election of officers, and facilitated the flow of center meetings.
- Taught the center treasurer on how to record payments on the billing statements.
- Conducted business loan inventory, cash flow analysis, and gathered through the necessary financial data with its corresponding sources.
Home Lecturer
Home Health Educational Service Company, Inc.
Tagum, Davao Del Norte
06.2002 - 04.2003
- Improved sales approach through consistent hard work, meditation technique, and dedication to prayer to reach out more clients for our health journals and varied publications about spiritual recovery program and health issues.
Education
Bachelor of Science - Banking And Finance
BUKIDNON STATE UNIVERSITY
Malaybalay City, Bukidnon 06.1997 - 03.2001
High School Diploma -
Montevista National High School
Montevista, Davao De Oro 06.1992 - 03.1996
No Degree -
Montevista Central Elementary School
Montevista, Davao De Oro 06.1986 - 03.1992
Skills
Analytical reasoning
Affiliations
- CreCom Secretary , Micro Department, PABK, PBCar, Lupon Branch, 2015 to January 2019.
- Vice President, Suhida Adventist Youth Organization, Year 2003
- Board Member, CSC-BSC-MESC, 1997-1998.
Additional Information
Iskolar ng Bayan Program recipient from Montevista LGU, 1998-2001
Software
Back End Development
Certification
Certificate of Good Moral Conduct
Interests
Reading informative articles
Trainings Attended
TRAININGS ATTENDED:
- AMLA REFRESHER TRAINING COURSE December 19, 2018 @ PBCI Lupon Branch Office
- CASH OPERATIONS TRAINING FOR BRANCH HEAD August 2, 2019 @ PBCar Corporate Office Building, Brgy. 5 San Francisco, Agusan Del Sur
- BANK ROBBERY AND TERRORISM July 18, 2018 @ PBCI Lupon Branch Office
- EMPLOYEES' REORIENTATION COURSE April 30 - May 1, 2018
- TRAINING OF TRAINERS ON FINANCIAL EDUCATION FOR MEMBERS April 17 & 18, 2009 @ PBCI Lupon Branch Office
- SUPERVISORY SKILLS TRAINING October 28, 2017 @ FRIEND Research Training Center Lapinigan, San Franciso, Agusan Del Sur
- ACCOUNT OFFICERS' TRAINING February 18-20, 2005 @ PCU - Provincial Cooperative Union Davao @ Tagum City
References
WILFREDO L. JUSTINIANE
09124936164
NEW WAY SUBDISION, MONTEVISTA
DAVAO DE ORO
RODELIO C. SUHAYON
09300902240
ASSISTANT CLUSTER HEAD
PRODUCERS BANK
MARY LILIBETH P. TAM
SM / LC HEAD
PRODUCERS BANK
Timeline
Account Assistant
Peoples Bank of Caraga, Inc.
06.2020 - 02.2021
BLU HEAD job certification
03-2020
Branch Lite Unit Head
Peoples Bank of Caraga, Inc.
07.2019 - 06.2020
Loan Officer
Peoples Bank of Caraga, Inc.
01.2019 - 03.2019
Area Project Supervisor
Peoples Bank of Caraga, Inc.
04.2015 - 01.2019
Development Officer
Peoples Bank Of Caraga, Inc.
2007.06 - 2015.04
Certified as Bonified Seventh-day Adventist church member
03-2006
Home Lecturer
Home Health Educational Service Company, Inc.
06.2002 - 04.2003
Certificate of Good Moral Conduct
03-2001
Certificate of Honorable Dismissal
03-2001
Bachelor of Science - Banking And Finance
BUKIDNON STATE UNIVERSITY
06.1997 - 03.2001
High School Diploma -
Montevista National High School
06.1992 - 03.1996
No Degree -
Montevista Central Elementary School
06.1986 - 03.1992
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