Credit and Collection Manager

Lawrence Tobias

Credit & Collection Manager (* months)

Acestar International Service Corp.

+63-921******* ********@*****.*** PHP 40,000 Paranaque City, National Capital Reg

Experience

16 years of total experience

Nov 2016 - Jun 2017

(8 months)

Credit & Collection Manager

Acestar International Service Corp. National Capital Reg, Philippines

Industry

Transportation / Logistics

Specialization

Finance - General/Cost Accounting

Role

Financial Accounting & Reporting

Position Level

Assistant Manager / Manager

-Overall management of account receivable, ensuring credit and collection policies are in place and are properly implemented.

-Directing the credit and collection function to ensure accurate and timely recording of receivable and collection transactions.

-Ensuring appropriate system of controls are in place to safeguard company assets and accurate financial reporting.

-Conduct client visits to resolve AR disputes and maintains relationship for future business opportunities.

-Ensure adherance to KPI through achievement of monthly collection target.

-Participate in business planning and executive meetings to facilitate management decisions.

-Helping to drive process improvements to ensure efficient and productive credit and collection operations.

Major clients:

Isuzu Philippines Corporation

Toyota Motor Philippines Corporation

Honda Car Philippines Inc.

Bridgestone Precision Molding Phils.

Hitachi Cable Asia

NEC Tokin Electronics Phils. Inc.

Japan Container Lines Inc.

Fujitsu Ten Corp.

HRD Singapore PTE. Ltd.

Maxima Machineries Inc.

Feb 2016 - Nov 2016

(10 months)

Credit & Collection Assistant Manager

Diamond IGB Inc. (Diamond Rent A Car) National Capital Reg, Philippines

Industry

Automobile / Automotive Ancillary / Vehicle

Specialization

Finance - Corporate Finance/Investment/Merchant Banking

Role

Treasury/Corporate Finance

Position Level

Assistant Manager / Manager

- Continuously monitor collection efforts to ensure effective collection strategies are in place. Strategies must reduce delinquency as well as maximize cash flow and customer satisfaction while not unnecessarily exposing the AR portfolio to collection risk.

- Work with Credit & Collection Specialists to recommend, track, measure and communicate meaningful measurements on collection cycle time, quality and results, including analyzing and summarizing account information/status for reporting results and issues to the business.

- Work closely with Dispute team to ensure customer issues are communicated timely and accurately and procedures are followed to allow for quick resolution resulting in improved cash flow and customer service.

- Communicate and monitor key measurements and ideas to continually improve the effectiveness toward desired results.

- Assist in the recruitment and selection of talented and experienced individuals. Develop team by setting appropriate goals, ensuring initial and ongoing training through desk reviews and Best Practice meetings, providing performance feedback, auditing accounts and conducting accurate, fact-based performance reviews.

-Manage staff by ensuring expectations are communicated and met, workload is assigned appropriately and schedules are adhered to.

-Provide performance metrics to reflect key measurements

-Work with various business unit offices to ensure proper processes, procedures, escalations and controls are in place and communicated in order to provide top customer service and achieve desired results

Clients handled:

Globe Telecoms Inc.

Epson Precision Philippines Inc.

Brothers Industries Corp.

Total Philippines

Koyo Manufacturing Inc.

Michellin Asia

Alcatel-Lucent

Coca-Cola FEMZA

Philippine Manufacturing Company of Murata

3M Philippines Inc.

Jan 2010 - Oct 2015

(5 years 10 months)

Credit & Collection Area Manager-NCR & Visayas

Bank of Makati Inc.(A Savings Bank) Central Visayas, Philippines

Industry

Banking / Financial Services

Specialization

Banking/Financial Services

Role

Credit Management

Position Level

Assistant Manager / Manager

-Manages monthly collection of loans both for secured and non-secured loans covering Central & Eastern Visayas and Palawan area (Regions 7,8 and 4B).

-Supervise a team of 140 members including 14 Credit Supervisors to ensure smooth functioning of day to day collection activities.

-Drives collections for specific clusters and work with several teams to align all key areas of performance in relation to target goals.

-Work closely with field supervisors and credit counselors to achieve Key Performance Indicators (KPI's).

-Manage the accuracy and quality of work performed by Team Leads and ensures the efficiency of collection teams and sufficiency of manpower requirements.

-Drive operational effectiveness by identifying areas of opportunity to elevate collections performance.

-Conduct field visit, evaluation and monitoring if Field Officers are in line with QA Targets

-Conduct daily checking of collection reports thru Collection Management System (CMS) and Collection Dashboard.

-Conduct Performance Appraisals and manage the organizational development for the collection team including identifying the training requirements for different staff and cross training opportunities.

-Support and Develop administrative policies and procedures in relation to Credit & Collections

-Develop new systems, policies and procedures for the Collection Department and present this to top management for evaluation and approval.

-Conducts investigation and case review on possible collection fraud.

-Forward recommendation to Risk & HR Department fraud related cases if any, and matters concerning fraud detection.

Nov 2004 - Dec 2009

(5 years 2 months)

BRANCH MANAGER

MOTORTRADE NATIONWIDE CORPORATION National Capital Reg, Philippines

Industry

General & Wholesale Trading

Specialization

Sales - Retail/General

Role

Management

Position Level

Assistant Manager / Manager

-In-charge with the overall operation of the branch

-Ensures that monthly collection and sales target is consistently achieve

-Take the lead role in marketing and selling of carried branded motorcycle products like suzuki, kawasaki, honda, and yamaha

-Assist the collection team in formulating collection strategies to achieve monthly collection quota

-Responsible for maintaining customer prospects, and competitor database, assessing and implementing marketing promotions

-Facilitate strategic partnership with suppliers to formulate sales plan

-Coordinate with credit supervisors and credit counselors in maintaining collection efficiency

-Engage, equip, and lead all sales channels (including distribution partners) with appropriate training, tools, and strategy development for motorcycle products.

-Evaluates credit worthiness of loan applicants, provides analytical recommendation based on gathered information by credit investigators,

-Provides assistance to Area Manager & Regional Manager in credit decision making, including Sales, Marketing, and Collection plans.

Sep 2001 - May 2004

(2 years 9 months)

SENIOR CREDIT ANALYST/APPRAISER

GLOBAL INFORMATION AND CREDIT NETWORK, INC. National Capital Reg, Philippines

Industry

Consulting (Business & Management)

Specialization

Finance - Corporate Finance/Investment/Merchant Banking

Role

Funds Management/Investment

Position Level

1-4 Years Experienced Employee

Responsibilities:

-Evaluates customer's information based on credit applications given by sales through credit investigation process and gathers interview results and other relevant information from bureaus and other offices.

-Validates employment applicants given information through background investigation process and conducts ocular inspection/inquiry, and does verification on residence and business existence, other activities which may deem relevant in ascertaining the worthiness of the applicant.

-Conducts checking with banks, trade references, given suppliers, and previous jobs to determine the paying capacity of the credit applicant.

-Prepares a comprehensive CI/BI and Appraisal Report on the findings and analysis of the credit checking and property appraised.

-Analyses the credit findings and makes proposal on the appropriate credit term and credit line of the applicant.

-Assists collection groups in locating the whereabouts of clients with past-due obligations.

-Does periodic updates of credit files and prepares the Monthly Endorsement Report which will be submitted directly to the General Manager.

-Conducts special investigations and surveys as per request by the Department Head.

- Helps in the orientation and training of newly hired employees.

- Performs other functions that may be assigned from time to time.

EXPERIENCE GAINED:

- Familiarized the Metro Manila ins and outs and key cities of the country.

- Exposure on different business' aspects including financial, operation, quality assurance and safety procedures.

SOME CLIENTS HANDLED INCLUDES:

- Maybank of the Philippines

- Union Bank of the Philippines

- Petron Corporation

- Hitachi Global Storage (Phils.) Inc.

- Samsung Electronics Phils. Inc.

- Vitarich Corporation

- New York Life Financial

- Sunlife Financial

- Manila Bankers

- NEC-Tokin

Education

2001

University of the East

Bachelor's/College Degree in Finance/Accountancy/Banking Philippines

Major

Management

CGPA

90.0 / 100.0

1999

Caloocan City Manpower Training Center (TESDA)

Vocational Diploma / Short Course Certificate in Computer Science/Information Technology Philippines

Major

Computer Software Technology

CGPA

95.0 / 100.0

Skills

Advanced

computer literate, Encoding Proficiency, Computer hardware troubleshooting, MS Office, proficient Collection Management System, proficient Loans Operations System

Languages

Proficiency level: 0 - Poor, 10 - Excellent

Language

Spoken Written

Filipino

10 10

English

9 9

Jobstreet English Language Assessment (JELA)

Date Taken

14 Apr 2016

Score

32/40

Additional Info

Expected Salary

PHP 40,000

Preferred Work Location

National Capital Reg, Anywhere in Philippines, Europe

Other Information

PERSONAL:

A product of Bank's Management Training Program (Bank of Makati Inc.) from Sept.2011 to April 2012, was born on June 10, 1978 in Tondo, Manila and a Roman Catholic Believer. A Team leader, Work and people oriented, hardworking, systematic, and responsible.

About Me

Gender

Male

Age

39 years

Address

1864 Rainbow Drive Goodwill 2, Sucat, Paranaque City, National Capital Reg, Philippines

Nationality

Philippines

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