Project Management

CURRICULUM VITAE

Name: EDUARDO N. DE CASTRO

Home Address: *** *** ****** ****** ***.

Juna Subdivision

Matina, Davao City

Philippines

Cellular Phone Number: +63-933-***-****; +63-919-***-****

E-Mail: ********@*****.***

Date of Birth: December 02, 1958

Citizenship: Filipino

Civil Status: Married

EDUCATION

School

Degree

Year of Graduation

Major Field

Ateneo de Davao University

MBA-Candidate

Completed units

Business Administration

Ateneo de Davao University

BS Science in Commerce

1979

Accounting

WORK EXPERIENCES

1.CORE COMPETENCIES - FINANCE & TRAINING EXPERT ON BANKING, MSME, STRATEGIC PLANNING, PROJECT MANAGEMENT, PROGRAM MANAGEMENT, OPERATIONS MANAGEMENT

CONSULTANCY AND TRAINING SERVICES

1. Program/Project Management

2. Commercial and rural banking operations (loans, deposits, accounting)

3. Cooperative & NGO lending operations

4. Organizational development and re-engineering

5. Financial institution strengthening and rehabilitation

6. Strategic & Business planning and monitoring

7. Micro, Small & Medium Enterprise (MSME) and Micro Agri financial services Specialist

8. Micro Agri Loans

9. Product development and enhancements ( deposits, loans, and other financial services)

10. Development of various operations and risk management manuals .

11. Delinquency Management

12. Credit Management & Administration

13. Risk management

14. Credit scoring

15. Audit and internal control

16. Training development

17. Product review and assessment

18. Financial Analysis and Sustainability

19. Accounting & Bookkeeping

20. Cash Management

21. Financial capability enhancement and credit scoring

22. Marketing of financial services

23. Institutional assessment,

24. Market & Client Survey

25. Management Development Program

26. Operations Management for Emergency Response, Recovery and Regular Programmin

2. Current Short Term Training/Consultancy/ Work Engagements (October 2016 – Present)

Project: Intermittent Consultancy engagements with financial institutions

3. Completed Training/Consultancy Engagements (2006-2016)

Position: Program Manager for Operations (October 28, 2014 – September 26, 2016)

Institution: Catholic Relief Services – Salcedo, Eastern Samar

Functions: Provide leadership and oversight of the Samar office’s operational support units/departments with special emphasis on fulfilling staffing requirements and the completion of the permanent housing and office structures and related procurement in Salcedo, Samar.

Other functions include direct supervision over 1)Finance, 2)Logistics and Fleet Management, 3)Warehouse Support, 4)Procurement, 5)Safety and Security, 6)Information Technology, 7)Human Resource, and 8)General Administration.

In close coordination with the Head of Office, ensures that programs are supported to effectively meet articulated needs, manage risk, and increase efficiency.

Provide support to program needs in Shelter, WASH, Agri Livelihood, Disaster Risk Reduction, Monitoring and Evaluation and other matters related to agency operations in compliance to existing policies and procedures.

Act as interim Head of Office in the absence of the HOO

Project: Strategic Planning & Monitoring

Facilitate the formulation and monitoring of short and medium term strategic plan

Project: Department of Agrarian Reform Micro Agri Program Assessment

Facilitate the workshop assessment of the program implementation with 23 participating MFI’s.

Project: Certified Lead Trainer on SME Lending (C3) by GTZ

Lead Trainer on SME lending

Project: Certified Lead Trainer on Financial Capability Enhancements and Credit Scoring

Lead trainer

Project; Resource Trainer

Project: Strategic Planning & Monitoring

Facilitate the formulation and monitoring of short and medium term strategic plan

Project: Organizational Development

Capacity building, organizational building, human resource training and development, re-engineering and strengthening, governance, audit, internal control, )

Project: Resource Trainer (BSP Credit Surety Fund for Cooperatives) – UP ISSI-Quezon City

Lead trainer on MSME credit evaluation

Project: Development of Various Operations and Risk Management Manuals

Capacity building and development of operations manuals (loans, deposits, cash management tellering, cashiering, bookkeeping, accounting, credit administrations, loan review, delinquency, asset management & disposal, internal control )

Capacity building and development of risk management manuals (liquidity, compliance, interest/market, credit, operational, audit, business continuity, contingency funding)

Project: Local Capital Market Expert (Business Finance Consulting-Switzerland)

Market study to identify, analyze, sources of funding and regulatory compliance for SME (especially venture capital funds or private equity funds) in providing products and services to low-income households and microenterprises for the promotion of social entrepreneurship.

Project: Micro Agri Loan Product

Capacity building and development of micro agri loan product

Project: Training on Credit and Delinquency Management

Provide consultancy and mentoring on delinquency management by conducting diagnostics in all aspects of operations, providing practical recommendations to address delinquency, and recommends enhancements to improve the delivery of the loan products.

Credit risk management and delinquency management skills capacity building

Project: MF Strengthening

Re-engineering of the bank’s microfinance department

Project: Training on Cash Flow

Microfinance cash flow based training course

Project: SME Training on Credit Appraisal & Monitoring

Information based credit appraisal and monitoring

Project: SME Lending Re-engineering and Development

Development of risk management manual in compliance with Bangko Sentral ng Pilipinas (BSP) regulation

Project: SME Consultancy Small Business Lending Unit

Lead consultant in re-organizing the bank’s small business lending (SBL) unit and the development and enhancement of SBL lending policies and procedures

Project: SME Coaching & Mentoring

Co-facilitator on SME loan development

Project: Facilitator - Credit Administration & SME Loan Policy Review

Development of loan administration and loan policy review

Project: Re-engineering of Small Business Lending Unit

Streamlining of the SME lending unit

Project: SME Training

Credit Appraisal, Loan documentation, Para Legal, Loan Packaging

Project: SME Remedial Management Policy Framework for Loans

Policy Framework on Remedial Management

Project: Training of Trainers

Training course for trainers

Project: Consultancy

Provide consultancy and strategic direction to the ADHoc Committee created by the Diocese of Davao in reviving the interest of seafarers to patronize Stella Maris Seafarers Center Davao as part of the ministry being initiated and supported by the Vatican Church and its worldwide partners.

Project: Development of Operations Manual

Development of operations manual geared towards improved MSME products and services of Enterprise Bank to include prime activities on health, environment, and improvements of the quality of life of entrepreneurs (MSME).

Project: Loan Operations Development & Enhancement

Provide training to account officers and senior level management on cash flow to mitigate risk in lending to members

Provide consultancy and mentoring on delinquency management by conducting diagnostics on all aspects of operations, providing practical recommendations to address delinquency, and recommends enhancements to improve the delivery of the loan products to its members.

Provide technical assistance and training in the rationalization and development of loan product currently offered to members

Project: Banking Operations Review & Enhancement of Systems & Procedures for Loans & Asset Products

Streamlining of branch banking operations

Project: Course Material Writer on Microfinance on E-Courseware (ARMDEV)

Development of course material on internal control for MFI’s (Philippines Credit Finance Corporation (PCFC)-Manila)

Project: MIS & Loan Monitoring Review

Review of banking system on loans and deposits

Training Needs Analysis

Identification of training needs for loan monitoring sustainability

Project: Microfinance Training on Best Practice & Cash Flow Lending

Refresher course on MF best practice and principles.

Project: Micro Agri Lending Program of Support to Agrarian Reform Communities in Central Mindanao (STARCM)

Provide training and technical assistance to six (6) participating MFIs (cooperatives, NGOs, and rural bank) in the development of a new micro agri loan program in the identified agrarian reform communities

Technical assistance includes assistance for the identified core team of each MFI to develop a written product manual in accordance with microfinance best practices and principles

Project: Product Development

1.Design and product development of checking account deposit product

2.Development of deposit product manual

3.Development of training modules for deposit accounts, clearing, and negotiable instuments

4.Training for branch officers and staff on checking accounts

4. Previous Work History

Position: Unit Head

Life insurance products & variable investments

Institution: Manulife

Project: Improving MFI’s Partner Credit Quality – IMPACQ

Position: International Microfinance Specialist

Institution: CARD MRI (International Finance Corporation )

Parasahabat Banker Perkreditan Rakyat – Indonesia

February – May 2007

Review current loan processes, procedures, organization, and overall management of loan origination, underwriting, disbursement, supervision & collection, and outlines areas of weaknesses and potential risks.

Analyze current NPL situation, its correlation to the loan process, SOP and management of the loan, and propose practical recommendation to turn around the loan performance.

Implement the approved recommendation and provides trainings whenever needed.

Integrate international best practice and in house experience to deliver recommendation for improvement that can be applied immediately and effectively.

Project:` TA(4544) PHI: Enhancing Access of the Poor to Microfinance Services in Frontier Areas

(Asian Development Bank Funded Microfinance Technical Assistance)

Position: Domestic Microfinance Specialist ( August 2005 – September 30, 2006)

IA : National Anti-Poverty Commission (Office of the President of the Philippines)

Functions:

Provide on users’ training for selected MFI’s on the uniform standard performance for all types of MFI’s as recommended by the Philippine government

Provide technical assistance to MFI’s in improving their microfinance operations to meet MF standards

Conduct educational seminars for the basic sectors in identified frontier areas

Assist the international microfinance specialist in the design of the field survey for MFI’s in designated frontier areas

Assist the international microfinance specialist in preparing training and reference materials for on site mentoring and training of MFI’s in frontier areass

Project: Microenterprise Access to Banking Services in Mindanao (MABS-M)

( USAID Funded Microfinance Program for Rural Banks in the Philippines)

Position: Area Manager for Mindanao, Philippines (January 2004 – July 2005)

Regional Manager (February 2001 – December 2003)

Southern Mindanao, Philippines

Banking Operations & Training Specialist (April 1998 – January 2001)

Company: Chemonics International

Functions:

Responsible for the delivery of microfinance best practices to participant rural banks in Mindanao

Conducts strategic planning and capacity building for matured rural bank on managing growing portfolio for sustainable MF operations

Designs and evaluates profitability monitoring tools in order to determine product/s profitability and product profitability contribution to total profits of institutions

Conducts periodic operations reviews for participating banks in Mindanao

Conducts periodic evaluation activities for participating banks in identifying market opportunities

Conducts institutional assessments for rural banks joining the program

Assists participant rural banks in strengthening its microfinance unit

Provides adequate technical assistance in organizational structures, treasury, and governance

Assists participant rural banks in formulating its loan product manual

Prepares related agreements and contracts of rural banks participating in the program

Develops manual of operations and policy guidelines for rural banks detailing the systems and procedures including central bank’s minimum internal controls

Prepares and conducts training and seminars/workshops on strategic planning, loan administration, loan delinquency management, product development, savings mobilization, marketing, training of trainers, basic supervision, CI/BI, cash flow, internal controls, financial management and other related banking best practices and procedures

Coordinates with the Bankers Association of the Philippines in the establishment of a credit bureau participated by universal, commercial, savings, thrift, development, rural banks, and cooperatives

APRIL 1996 – MARCH 1998

Position: Cluster Head

Company: Traders Royal Bank

Southern Mindanao

Function: Supervises Sta. Ana, Ilustre, General Santos, Davao & Zamboanga Branches

Responsible in attaining deposit, loans and income targets of the Southern Mindanao Cluster

Position: Branch Manager

Company: Traders Royal Bank

Davao Main Branch

Functions: Responsible for the growth of all types of deposits and loans of the branch

Responsible for the profitability and sustainability of the branch operations

Reports directly to the Regional Manager for VISMIN REGION

Reduces the Past Due Accounts through intensive collections

Awards: National Branch Performance Award – Excellent Performance (1997)

National Branch Performance Award – Meritorious Performance (1996)

JANUARY 1995 – MARCH 1996

Position: Branch Manager

Company: China Banking Corporation

Butuan City

Functions: Responsible for the growth of deposits and loans of the branch

Acts as Account Officer for loans

Supervises the cash and accounting operations of the branch

Prepares yearly projections for the branch

AUGUST 1993 – DECEMBER 1994

Position: Branch Marketing Officer

Company: United Coconut Planters Bank (UCPB)

SEPTEMBER 1992 – JULY 1993

Position: Management Development Program (MDP) Trainee

Company: United Coconut Planters Bank

MAY 1990 – AUGUST 1991

Position: Senior Analyst -Mindanao Area Office

Company: United Coconut Planters Bank

MAY 1990= APRIL 1991

Position: Branch Manager ( Seconded Officer)

Company: UCPB Rural Bank

MAY 1980 – MAY 1990 (Various rank & file positions and first level supervisor)

Company: United Coconut Planters Bank

JANUARY 1980 – APRIL 1980

Position: Accounting Clerk

Company: Elizalde International

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