Work Preference
Summary
Overview
Work History
Education
Skills
Certification
Timeline
Open To Work

Sharmaine Supangan

San Fernando City

Work Preference

Desired Job Title

Credit OfficerCredit Analyst

Location Preference

RemoteHybrid
Location: San Fernando City, PH
Open to relocation: No

Salary Range

₱45000/yr - ₱200000/yr

Summary

Dynamic Credit Officer with a proven track record of delivering tangible results through effective cross-team collaboration and strategic partnerships. Expertise includes a deep understanding of risk profiles and client relations, complemented by strong skills in facilitating approval processes, meticulous recordkeeping, and comprehensive financial statement reviews. Highly organized and detail-oriented, consistently driving improvements in team efficiency and productivity to enhance company profitability. Proficient in negotiation techniques, leveraging exceptional organizational skills to lead teams toward achieving outstanding sales outcomes.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Credit Officer

Union Galvasteel Corporation
05.2022 - Current
  • Credit Risk Management
  • Evaluates the credit worthiness of customers
  • Analyzes and processes credit line application
  • Implements the approved credit line and reviews customers' records by preparing credit analysis reports
  • Identifying possible risks based on the Market Analysis review
  • Strictly implements credit policies / internal controls
  • Ensures the legalities of collaterals provided
  • Prepares collection, demand letters to delinquent accounts
  • Monitors and Analyzes AR balances
  • Manages settlement of non-moving accounts. If becomes necessary, facilitates the filing of legal cases

Credit Analyst

Union Galvasteel Corporation
01.2013 - 05.2022
  • Completed thorough and in-depth analysis of new credit requests, renewals and annual relationship reviews to recommend risk rating changes.
  • Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
  • Worked in collaboration with Operations department to examine and evaluate documentation submitted for funding.
  • Monitored and maintained compliance with internal controls and government regulations.
  • Conducted credit reviews on corporations to assess financial conditions.
  • Reviewed customer financial data to ascertain level of risk involved for extending credit.
  • Assessed customer credit files regularly to review receivables.

Education

Bachelor of Science - Financial Management

Saint Louis College, San Fernando, Province Of La Union, Philippines
05-2013

Skills

  • Credit Approval Management

  • Account management

  • Credit Risk Assessments

  • Debt restructuring

  • Customer relations

  • Credit analysis

  • Quality controls

  • Credit scoring

  • Loan recommendations

  • Financial statement analysis

  • Delinquency monitoring

  • Credit reports

  • Written and Verbal Communication

  • Oracle System User

  • QuickBooks System User

Certification

  • Small Claims Court for Debt Collection and Dispute by Ariva Academy (November 20, 2020);
  • Supervisory Leadership Program by Benchmark Consulting (March 04, 2022);
  • Credit and Receivables Management by Powermax Consulting Group Inc. (December 06, 2023);


Timeline

Credit Officer - Union Galvasteel Corporation
05.2022 - Current
Credit Analyst - Union Galvasteel Corporation
01.2013 - 05.2022
Saint Louis College - Bachelor of Science, Financial Management

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Sharmaine Supangan