RUEL HILAMON
Koronadal, Province of South Cotabato
Summary
Accomplished Loan Officer and Branch Manager with a proven track record at Rural Bank of Norala, Inc., and Unistar Credit and Finance Corporation. Professional with solid background in financial industry, prepared for this role. Skilled in loan assessment, risk analysis, and customer service, ensuring optimal client satisfaction and compliance. Strong focus on team collaboration and adaptability, enabling effective response to changing business needs. Reliable and results-driven, consistently contributing to organizational success.
Overview
19
19
years of professional experience
Work History
LOAN OFFICER
RURAL BANK OF NORALA, INC.
02.2018 - Current
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
BRANCH MANAGER - TEACHER'S LOAN
UNISTAR CREDIT AND FINANCE CORPORATION
03.2013 - 01.2016
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional interactions with DEPED Key Personnel
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
CREDIT AND COLLECTION OFFICER - TEACHER'S LOAN
ASIANLIFE INSURANCE CORPORATION
03.2006 - 03.2013
- Consistently met or exceeded departmental goals for collections and recovery rates by employing effective techniques and strategies.
- Prioritized workloads based on urgency levels assigned during account evaluations, ensuring timely follow-up on the most critical cases.
- Analyzed Payslips of teacher applicant to evaluate creditworthiness, making sound decisions on extending or withholding credit.
- Maintain friendly and professional interaction with key personnel of DEPED.
- Collaborated with sales teams to ensure adherence to established credit limits, reducing bad debt exposure.
- Maintained detailed records of all collection activities, ensuring accuracy and timely reporting to management.
Education
Bachelor of Science - Commerce Major in Management
Notre Dame of Marbel University
Koronadal, Province Of South Cotabato, Philippines03-1995
High School Diploma -
Koronadal National Comprehensive High School
Koronadal, Province Of South Cotabato, Philippines03-1991
Skills
- Database management
- Relationship building and management
- Documentation review
- Financial advising
- Credit analysis
- Loan servicing
- Customer service-focused
Timeline
LOAN OFFICER
RURAL BANK OF NORALA, INC.
02.2018 - Current
BRANCH MANAGER - TEACHER'S LOAN
UNISTAR CREDIT AND FINANCE CORPORATION
03.2013 - 01.2016
CREDIT AND COLLECTION OFFICER - TEACHER'S LOAN
ASIANLIFE INSURANCE CORPORATION
03.2006 - 03.2013
Bachelor of Science - Commerce Major in Management
Notre Dame of Marbel University
High School Diploma -
Koronadal National Comprehensive High School
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