SALVADOR ABAD
Paranaque
Summary
Proactive and meticulous credit risk and data analyst with over 27 years of experience in banking industry. Proficiencies in credit analysis, portfolio and remedial management, policy compliance, collateral quality and valuation, communication and interpersonal skills.
Overview
28
28
years of professional experience
11
11
years of post-secondary education
Work History
Senior Manager, Credit Portfolio Reviewer
BDO Unibank, Inc.
10.2010 - 08.2022
- Managed teams of fellow reviewers to conduct review engagement of assigned lending units.
- Reviewed selection of borrowing accounts in terms of repayment capacities, viability of collateral, approval conditions, etc. to allow management to take prompt corrective action and prevent further deterioration of accounts.
- Assessed lending unit’s compliance to policies and procedures by citing lapses, exceptions, violations and other potential problems before safety and soundness of loan portfolio becomes serious issue.
- Validated risk rating and credit scorecard of borrowers as prepared by handling account officers and provided corresponding risk classification based on BSP and internal guidelines.
- Established relationships and interacted with Account Officers and Team Heads findings cited during review engagements and assisted on resolutions or actions to be taken to regularize lapses.
- Prepared and submitted comprehensive reports for senior management covering areas of credit initiation, loan administration, problem recognition and remedial management weaknesses to be addressed or resolved through issuance of new policies or amendment of existing ones.
Manager, Risk Control Officer
Asiatrust Bank
06.2007 - 09.2010
- Competently handled development and implementation of risk management systems pertaining to credit and loan portfolio quality.
- Regularly monitored new past due and defaulting loans and coordinated with lending sectors to properly control and manage level of non-performing loans.
- Actively participated in the impairment and loss provisioning of Bank’s risk assets for purposes of capital adequacy and compliance with regulatory requirements.
- Conducted post-approval review of borrowing accounts and discussed findings, lapses and deficiencies with concerned account officers.
- Developed and maintained Bank’s Central Liability Ledger System to properly monitor large exposures and breaches in loan limits consistent with internal and regulatory guidelines.
- Assisted in preparation for any external examination (by BSP/SGV) by specifically regularly reviewing the Bank’s large loan accounts, including classified and past due accounts.
- Validated and reconciled loan portfolio (developmental and CTS) covered by HGC as reported to BSP on monthly basis.
Jr. Assistant Manager, Credit Evaluator
Metropolitan Bank and Trust Company
08.1996 - 01.2007
- Assessed credit risk of individual and corporate borrowers following concepts in credit analysis, credit policy administration, financial analysis, and remedial management.
- Reviewed financial statements and projected cashflows, assess viability of credit proposals, ensure compliance with BSP and Bank’s credit policies, report findings and recommendation to credit committees for sound credit decision.
- Handled credit proposals of Mindanao Branches and Caloocan areas; closely coordinated with account officers and branch managers credit risks involved and appropriate loan package.
- Validated internal credit risk rating grade of corporate borrowers in compliance with BSP requirements.
- Coordinated with lending units status of credit proposals and negotiated necessary actions to mitigate risks involved and protect interests of bank
- Monitored centralized requests for Collateral Clearances from lending units to ensure that bank is properly covered upon cancellation of mortgage.
Property Appraiser
Metropolitan Bank and Trust Company
04.1995 - 08.1996
- Equipped with essential tools and methods in providing sound opinion as to fair market value of real estate properties offered as collateral for credit purposes
- Conducted ocular inspections of said properties and assessed marketability and acceptability based on bank standards
- Prepared Inspection and Appraisal Reports (IAR) for management’s guidance
Credit Investigator
Metropolitan Bank and Trust Company
08.1994 - 04.1995
- With sufficient experience in trade and credit checking on all borrowing clients
- Conducted background investigation and ocular inspection on potential bank clients
- Prepared Credit Investigation Reports (CIR) for management’s guidance
Education
Bachelor of Science - Information Management
Asia Pacific College
06.2000 - 04.2002
Bachelor of Science - Economics
University of The Philippines
05.1987 - 04.1992
High School Diploma -
Chevalier School
06.1983 - 04.1987
Skills
Analytical and Research Skills
Financial Analysis
Critical Thinking
Problem Recognition
Risk Management
Communication Skills
Interpersonal Skills
Timeline
Senior Manager, Credit Portfolio Reviewer
BDO Unibank, Inc.
10.2010 - 08.2022
Manager, Risk Control Officer
Asiatrust Bank
06.2007 - 09.2010
Bachelor of Science - Information Management
Asia Pacific College
06.2000 - 04.2002
Jr. Assistant Manager, Credit Evaluator
Metropolitan Bank and Trust Company
08.1996 - 01.2007
Property Appraiser
Metropolitan Bank and Trust Company
04.1995 - 08.1996
Credit Investigator
Metropolitan Bank and Trust Company
08.1994 - 04.1995
Bachelor of Science - Economics
University of The Philippines
05.1987 - 04.1992
High School Diploma -
Chevalier School
06.1983 - 04.1987
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