Hi, I’m
ROY R. BAGUIO
Loan Officer/Credit & Collection Officer
Cebu,CEB
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
12
years of professional experience
2
Languages
Work History
Banco Rural de Isla Cordova
Loan Officer / Credit & Collection Officer
01.2025 - Current
Job overview
- Collections
- In charge of credit documents/loan documents
- In charge of service vehicle
- Market Loans
- Any documents that related to BIR Processing
- Property Appraisal
- Cash flows
- Real estate mortgage
- Chattel mortgage
- Loan processes
- Processing of Extra Judicial Foreclosure
- In charge all renewal of Business Permits, Property Tax, Tax Clearance and Etc.
- Attending Hearing in Municipality Trial Court or Regional Trial Court
- Attend Bidding for property foreclosure
- Annotation and Cancelation of Mortgages in ROD
- Transfer Title Processing (TCT/OCT or Tax Declaration)
- Loan Accounts Reconciliation (Agri-Agra Loan, Small Medium Enterprise Loan, Other Purpose Loan)
- BSP report (ACL, ROPA, Past due Account)
- Conduct Credit Investigation (5Cs of Credit)
- Credit Ratings
- Property Evaluation
- Industry: Banking Industry
Akromont World Distribution
Sales Supervisor
11.2015 - 03.2016
Job overview
- A subsidiary of San Miguel Integrated Sales.
- Handling Magnolia and Pure Foods Product
- Monitor Sales & Collections
- Account Confirmation Key Accounts
- In charge of Motorcycle unit use in Salesman
- Conduct Marketing and Sales Plan
- Leading salesman/Collectors
- Industry: Sales and Marketing
Soto Grande Hotel & Resort
Sales Account Associate
08.2015 - 11.2015
Job overview
- Sales & Marketing Rooms, Venues, Resorts.
- Email Blasting, Packages & Promotions
- Sales Call, Sales Blitz, Function Coordinator, Telemarketing
- Responsible of Handling Valued Customers
- Doing Field Works
- Industry: Hotel and Restaurant
Skygo Marketing Corporation/SNDC Sto. Nino De Financing Cebu
Store Supervisor/Sales & Credit and Collection Supervisor
05.2013 - 08.2015
Job overview
- In charge of Renewal Business Permits, BIR Permits, LTO Accreditation.
- Monitor Sales Credit and Collection Target
- Conduct Sales Plan & Marketing Plan, handling Salesman and Collectors
- Bank Reconciliation and Aging Reconciliation
- Do Basic Auditing, Account Confirmation, Inventory
- Monitoring of Petty Cash Fund Revolving Fund, Action Plan for Collection Eff.
- Attending Customer Complaints, Credit Control Function, Monthly Report
- Industry: Motorcycle Industry
Education
University of Cebu Lapu-Lapu and Mandaue
Bachelor of Science from Business Administration, Financial Mgt.
01.2013
Cordova Academy Cooperative SchoolCebu
Secondary Education
01.2009
Cogon Elementary SchoolCebu
Elementary Education
01.2005
Skills
Professional Communication
Customer Oriented
Ability to Multi task
Able to establish and maintain cooperative relationship with customers and employee
Payment Arrangement
Highly Proficient in reconciling customer accounts
Loan Portfolio Management
Able to drive both 2wheels & 4wheels
Financial reporting
Client communication
Credit risk assessment
Business permit renewal
Tax compliance
Foreclosure processing
Title transfer processing
Account reconciliation
Sales strategy development
Mortgage documentation
Collections management
Inventory auditing
BIR documentation
Field sales operations
Loan servicing
Loans
Financial transactions expertise
Banking
Cash handling
Portfolio management
Friendly
Team player
Credit
Consumer lending
Financial counseling
Mortgage lending
Credit scoring
Debt restructuring
Timeline
Loan Officer / Credit & Collection Officer
Banco Rural de Isla Cordova
01.2025 - Current
Sales Supervisor
Akromont World Distribution
11.2015 - 03.2016
Sales Account Associate
Soto Grande Hotel & Resort
08.2015 - 11.2015
Store Supervisor/Sales & Credit and Collection Supervisor
Skygo Marketing Corporation/SNDC Sto. Nino De Financing Cebu
05.2013 - 08.2015
Cordova Academy Cooperative School
Secondary Education
Cogon Elementary School
Elementary Education
University of Cebu Lapu-Lapu and Mandaue
Bachelor of Science from Business Administration, Financial Mgt.