Summary
Overview
Work History
Education
Skills
Timeline
Awards/ Certificate Received
References
Generic
ROWENA R. BUMANGLAG
Open To Work

ROWENA R. BUMANGLAG

Relationship Manager
San Mateo,ISA

Summary

Results-Driven Lending Professional with extensive experience in loan processing and loan underwriting, credit analysis, and risk assessment. Skilled in scrutinizing financial statements, property appraisals, and loan documentation and account management. I am committed to optimizing lending outcomes while mitigating risk.

Overview

23
23
years of professional experience

Work History

Relationship Manager

BDO Unibank Inc.
01.2017 - 09.2025
  • Built and maintained strong relationships with business clients thru regular and effective communication, understanding their financial needs, and addressing any concerns or issues they may have.
  • Marketed and identified potential loan clients and guided them the entire end-to-end credit approval process from application review through loan approval and contract negotiation and final execution.
  • Assessed the financial condition of clients' businesses, recommended appropriate loan products, and worked with loan underwriters to facilitate the approval process.
  • Managed loan portfolios, ensuring that clients remain compliant with loan terms and conditions.
  • Monitored the performance of business loans, identified potential risks, and implemented strategies to mitigate those risks.

Relationship Manager

Metropolitan Bank & Trust Company
04.2012 - 12.2016

Credit Manager

Philippine National Bank
04.2005 - 03.2012
  • Credit Risk Assessment by evaluating the creditworthiness of business loan applicants by analyzing financial statements, credit reports, and other relevant data to determine risk levels.
  • Loan Portfolio Management by monitoring loan performance, track signs of potential default, and take necessary actions to protect the Bank's interests.
  • Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.

Bookkeeper

Plaza Isabelle Realty Corporation
10.2002 - 03.2005
  • Prepared monthly financial statements, enhancing transparency for stakeholders.
  • Reconciled bank statements, identifying discrepancies and maintaining financial accuracy.
  • Managed accounts payable and receivable to ensure timely and accurate financial reporting.
  • Maintained and processed invoices, deposits, and money logs.
  • Handled payroll processing for employees, ensuring timely payment and adherence to tax regulations.

Education

Bachelor of Science - Accountancy

University of The East- Manila Campus
04.2001

Secondary Education - undefined

Eveland Junior College
San Mateo, Isabela
03.1997

Primary Education - undefined

San Mateo East Central School
San Mateo, Isabela
03.1993

Skills

  • Relationship building and management
  • Strong knowledge of loan underwriting, credit analysis, and risk assessment
  • Proficiency in financial statements, property appraisals, and loan documentation
  • Excellent communication skills and attention to detail
  • Team player
  • Time management

Timeline

Relationship Manager

BDO Unibank Inc.
01.2017 - 09.2025

Relationship Manager

Metropolitan Bank & Trust Company
04.2012 - 12.2016

Credit Manager

Philippine National Bank
04.2005 - 03.2012

Bookkeeper

Plaza Isabelle Realty Corporation
10.2002 - 03.2005

Secondary Education - undefined

Eveland Junior College

Primary Education - undefined

San Mateo East Central School

Bachelor of Science - Accountancy

University of The East- Manila Campus

Awards/ Certificate Received

  • Best Relationship Manager (April 2019)
  • Highest in Budget Attainment (April 2019)

   BDO Unibank Inc.

  • Best Relationship Manager (December 2015)

   Metropolitan Bank and Trust Company

  • PNB Product Mastery- Certificate of Achievement (October 2008)

   Philippine National Bank

  • Academic Excellence Award 1997, 1998 and 1999

   University of the East Manila

  • Academic Excellence Seminar-Workshop Award (August 1997)

   Metrobank Foundation Inc. and University Center

References

  • Relibeth, Santos, Credit Officer, 0917-5162884, Metrobank
  • Jeanifer L., Saguid, Relationship Manager, 0938-6155981, BDO Unibank Inc.
ROWENA R. BUMANGLAGRelationship Manager