Credit Officer

Michelle L. Magaso

Experienced Credit Officer with a demonstrated history of working in the telecommunications industry. Skilled in Credit Assessment, Evaluation, Analysis, Customer Fraud Investigation and Credit Risk Management.

EXPERIENCE

Smart Communications, Inc., Philippines — Credit Officer III

JANUARY 2017 - AUGUST 2018

●Ensures completeness and authenticity of fully accomplished application forms and required documents.

●Proactively ensures that KPIs and KRAs within the team are met

●Conducts credit evaluation

●Provides feedback to Sales Officers on the status of applications within SLA

●Prepares fraud report to Fraud Risk Team if application was deemed fraud and with adverse findings

●Complies with warehousing policy

Smart Communications, Inc., Philippines — Credit Officer II

JANUARY 2012 - DECEMBER 2016

●Handles bulk postpaid activations while maintaining quality credit evaluation and assessment

●Conducts standard callout to customers and provides status of application within SLA

●Adheres to standard credit parameters and proactively suggests what can be improved concerning fraud customer investigation

●Reports confirmed fraud applications to internal revenue department at the end of the day

Smart Communications, Inc., Philippines — Credit Officer I

FEBRUARY 16, 2008 - DECEMBER 2011

Searchers and Staffers Corp. (Assigned at Smart Communications Inc., Philippines — Credit Clerk

MARCH, 2007 - FEBRUARY 15, 2008

●Receives and transmits SAFs (Service Application Forms) and other documents from support groups on a daily basis

●Encodes customer information in ICMS/ JWALK or perform QDE/FED for EAPS processing

●Prepares summary of SAFs activated the previous day for reconciliation and

Posting in the CCM-Postpaid Activation Shared Folder.

●Assists CAG officer in calling circle and intra-calling circle tagging for corporate accounts.

●Provides systematic filing of SAFs and other documents for future references

●Coordinates with other work groups for activation update

●Handles requests for pull-out of SAFs and attachments from Consumer Sales Officers

●Assists in warehousing of documents and keeps file of each box’s contents for future references

Facilities Managers Inc. (Assigned at Land Bank of the Philippines), Philippines — Data Encoder/Clerk

JUNE 2005 - AUGUST 2006

●Assists in the reconciliation of fixed assets

●Receives outgoing and incoming calls

●Handles clerical jobs such as typing and filing

●Keeps track of the distributed asset labels by updating their Fixed Assets Monitoring Database

●Handles all the filing of important documents as well as keeping all the pass-outs, memorandum receipts and invoice receipts for future reference

●Assists in the distribution of asset identification labels to various departments and bank branches nationwide

EDUCATION

Universidad de Manila, Philippines — Bachelor’s Degree in Business Management

JUNE 2001 - MARCH 2005

Bin Mahmoud, Doha City, Qatar

Mobile No: +974-********

Email: ******.********@*****.***

Visa Type: Husband Visa

SKILLS

Credit Analysis, Evaluation and Assessment

Customer Profiling

Customer Fraud Detection

Credit Scoring

Time Management

Verbal and Written Communication

TOOLS & TECHNOLOGIES

Microsoft Office

Salesforce

CRM

TransUnion

LANGUAGES

English (Fluent)

Filipino (Fluent)

Korean (Basic)

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