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, Isabela03.1997
Primary Education - undefined
San Mateo East Central School
San Mateo, Isabela03.1993
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.