Assistant Manager

MARY GRACE SANCHEZ-VISCA

Address: Block **, Lot *2, Unit A, Cornelius St.

Annex 35, Better Living Subdivision, Parañaque City Mobile No.: 091*-*******

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

CURRENT LINE OF WORK

Credit Investigation Unit – Tele & Field

(Business, Housing, Personal and Auto Loans)

PROFESSIONAL BACKGROUND

PNB Savings Credit Cycle Division – Pre- Evaluation & Investigation Section, Credit Investigation Unit

August 2018 - Present

Credit Investigation Unit under Credit Evaluation Department is responsible for the investigation process of consumer products, helps greatly in the process of selecting quality borrower, ensure the credit worthiness of the Investigation Report and aid Credit Officer in making a sound credit decision.

Present Position:

CREDIT INVESTIGATION UNIT HEAD

Assistant Manager 2 (AM2) – August 2018 – Present

Functions:

• Review Credit Investigation report prepared by Tele CI Staff

• Review Field CI report prepared by our Third Party Service Providers

• Conducts quarterly visit to five (5) Service Providers and provides feedback and to be calibrated with the overall process

• Provides daily, weekly and monthly report for the Department Head

• Conducts training and mentoring to team members

• Assist Pre- Evaluation & Investigation Section in review of current process

• Evaluate existing guidelines

• Ensures that members of team deliver their assigned tasks within an acceptable Turn-Around-Time

• Acts as OIC in the absence of the Section Head

• Performs other tasks that maybe assigned from time to time by the Section and Department Head

Past Position:

CREDIT OFFICER – Motor Vehicle Loans Credit Department Assistant Manager 2 (AM2) – August 1, 2018 – August 20, 2018 Functions:

• Conducts checking of completeness of necessary documents to qualify an account for underwriting

• Requests for reports/ collects information through interviews with auto loans applicants, and trade and bank references.

• Conducts assessment of account based on Auto Loans Guidelines supported by documents submitted by clients and results of credit investigation and checking that are essential in evaluating the credit worthiness of the client.

• Prepares CRAM or evaluation sheet which contains the summary of analysis of credit worthiness based on repayment capacity and non- financial information of the borrower.

• Gives recommendation based on thorough credit evaluation.

• Recommend accounts for approval and set conditions as maybe necessary to mitigate perceived risks attending to clients’ profile

• Ensures delivery of CRAM within the agreed turnaround time.

• Interacts with auto loan marketing unit and other support units of the bank.

• Performs other tasks that maybe assigned from time to time by the Unit and Department Head

(Handles Housing Loan accounts for Credit Evaluation) CAREER EXPOSURE

Credit Investigation, Auto Loans,

Business Accreditation, Business Express

Loans Evaluation and Credit Processor

PERSONAL INFORMATION

Age : 29

Sex : Female

Date of Birth : September 16, 1990

Place of Birth : South Cotabato

Nationality : Filipino

Religion : Roman Catholic

Height : 5’ 1”

Weight : 140 lbs

Language

Spoken

: Filipino & English

EDUCATIONAL BACKGROUND

TERTIARY:

Bachelor of Science in Business

Administration major in Management

Rizal Technological University

Mandaluyong City

2007 - 2011

SECONDARY:

Dr. Arcadio Santos National High School

Parañaque City

2003 - 2007

PRIMARY:

Lamian Central Elementary School

Lamian, Surallah South Cotabato

1997 - 2003

SKILLS

• Proficient in both Oral and Written

Communication

• Administrative & Leadership Skills

• Cooperatively work with team

• Good interpersonal relation skills;

• Excellent skills in credit investigation, loan

processing, evaluation and phone verification

• Experienced in conducting fieldwork

Ability to multitask and high level of attention

to detail

• Positive attitude and work ethics

• Can work with minimal supervision & under

time pressure

• MS Office Literate (Word, Excel &

PowerPoint)

Security Bank Corporation Credit Cycle Division – Business Loans Underwriting Department Retail Credit Operations Group

6797 SLC Building, Ayala Avenue, cor. V.A. Rufino, Makati City May 2016 – July 2018

Business Loans Underwriting Department under Credit Evaluation Department is responsible for the credit evaluation/underwriting of SME/Small Business Loans and Business Accreditation for Auto fleet, Corporate Cards, and Corporate Salary Loans. Past Position:

BUSINESS UNDERWRITER

Junior Assistant Manager (JAM) – September 2016 – July 2018 Functions:

• Handles credit evaluation of unsecured Small Business Loans with ticket size up to P5M and business accreditation of various consumer products (Corporate Salary Loan, Salary Advance Credit Line, Corporate Guaranteed Cards, Auto Fleet Financing and Business Express Loan)

• Conducts checking of completeness of necessary documents to qualify an account for underwriting

• Conducts assessment of account based on Minimum Risk Acceptance Criteria (MRAC) supported by documents submitted by clients and results of credit investigation and checking that are essential in evaluating the credit worthiness of the client.

• Prepares credit proposal or evaluation sheet which contains the summary of analysis of credit worthiness based on repayment capacity and non- financial information of the borrower.

• Gives recommendation based on thorough credit evaluation.

• Recommend accounts for approval and set conditions as maybe necessary to mitigate perceived risks attending to clients’ profile

• Ensures delivery of Credit Proposals within the agreed turnaround time.

• Performs other tasks that maybe assigned from time to time by the Unit and Department Head CREDIT ANALYST

Junior Assistant Manager (JAM) - May 2016 – August 2016 Functions:

• Handles Credit Analysts (CAs) and reviews Business Field CI reports prepared by CAs.

• Pre-screen and review application documents from business units for credit evaluation.

• Handles credit checking to gather necessary information that will facilitate the credit due diligence process of the Business Underwriters.

• Conducts credit checking and ensure efficiency and accuracy of the report based on the guidelines set by the bank with service delivery within the turn-around time.

• Prepares CI report such as Business Verification, Trade Checking, Bank Checking and Business Field Credit Investigation.

• Provides assistance to Business Underwriters in the preparation, routing and inventory of credit proposals.

• Collaborate with business units, account officers and business underwriters on matters concerning credit checking requests/ results and pre- screening of credit folders.

• Coordinates with Business Underwriters on the results of credit checking. Planters Development Bank/China Bank Savings

Credit Investigation Department

Credit Management Group

314 Sen. Gil Puyat, Ayala Ave, Makati City

September 2012– May 2016

Credit Investigation Department under Credit Management Group is responsible for the investigation process of SMEs and consumer products, helps greatly in the process of selecting quality borrower, ensure the credit worthiness of the Investigation Report and aid Credit Officer in making a sound credit decision.

Past Position:

IN- HOUSE LOANDEX VERIFIER

• Acts as an OIC every time the Supervisor is not around and ensures that the Team is always on the same page.

• Responsible for providing and reviewing respective task for the Team and provides review afterwards.

• Receives daily requests from internal credit investigators bank wide, encodes inquiry and sends to BAP for the desired credit information

• Sends Loandex information to CIs since this process is a must in the SME CI report

• Checking of inquired accounts with the internal ICBS and will be reported to BAP for their file

• Ensures correctness of transmitted internal credit information to BAP-Loandex and prepares monthly monitoring reports on the number of accounts requested

• Conducts and entertains inquiries and credit checking with other banks, financial institution, branches and individuals. SENIOR CREDIT PROCESSOR/ SENIOR CREDIT INVESTIGATOR

• To investigate discreetly and thoroughly the background, character and financial credit standing, records and habits of loan applicants of the Bank and renders a CI report to Management

• Verifies registration of subject companies with government agencies concerned and obtains pertinent information as to their organization or existence, nature of business

• Conduct court checking to find out any court or pending action against subject

• Conduct checking of whereabouts of clients for the collection of accounts

• Gives out credit information in reply to inquiries of investigator

• Verifies registration of company’s existence in SEC and DTI

• Handles verification of Statement, Assets, Liabilities and Net Worth TRICARE- ADMINISTRATIVE ASSISTANT

International SOS (Phils.), Inc.

28F Philippine Stock Exchange Bldg. Ortigas Center, Pasig City May 27, 2011 to February 29, 2012

• Provide administrative and personnel support for the TRICARE Nurse Coordinators

• Scheduling and making meeting arrangements, researching and securing requested information, and compiling/proofing of various reports and studies

• Prepare travel arrangements and submit expense authorizations

• Conducts PRC verification for the accredited doctors, nurses, etc.

• Preparing weekly reports for the accredited hospitals, clinics, etc.

• Answer phones to support Nurse Coordinators when needed, respond to customer/client/employee inquiries, and perform other office administrative duties

Intern/ On-the-job Training

Philippine National Bank

Legaspi Village Branch

Salcedo St. Ayala, Makati City

July 13, 2010 to October 8, 2010

November 18, 2010 to February 11, 2011

• Do typing and encoding documents etc.

• Attend to the phone-calls and other communications within the Branch and the clientele

• Do some filings and record- keeping for the Branch

• Do some activities that may be assigned from time to time

• Operate office machines like xerox, fax, typewriter and computer BANK SEMINARS ATTENDED

Business Continuity Plan, Business Impact Analysis and Risk Assessment Seminar

PNB Savings

Penthouse Allied Bank Centre, March 25, 2019

RISE Seminar

PNB Savings

Penthouse Allied Bank Centre, March 2, 2019

ONE Program

PNB Savings

Penthouse Allied Bank Centre, August 1, 2018

Anti-Money Laundering & Compliance Awareness

Seminar

PNB Savings

Penthouse Allied Bank Centre, August 1, 2018

Basic Credit Course Training,

Security Bank Corporation

Pacific Star Building, April 20- 21, 2017

Credit Risk Management and Credit Bureau Training

Security Bank Corporation

16F Security Bank Building, December 10, 2016

BAP Loandex Seminar

Chinabank Savings (Formerly Planters Development Bank) Export Bank, 10th Floor BAP Credit Bureau,

November 14, 2015

Credit Investigation Seminar- CMAP

Chinabank Savings (Formerly Planters Development Bank) Max’s Glorietta, Makati City, August 22, 2014

Bank Security Awareness Seminar

Chinabank Savings (Formerly Planters Development Bank) 314 Sen. Gil Puyat, Ayala Ave, Makati City, May 17, 2014 Signature Verification Seminar

Chinabank Savings (Formerly Planters Development Bank) 314 Sen. Gil Puyat, Ayala Ave, Makati City, March 16, 2013 Fraud Risk Management Awareness

Chinabank Savings (Formerly Planters Development Bank) 314 Sen. Gil Puyat, Ayala Ave, Makati City, February 2, 2013 CHARACTER REFERENCES

Available upon request.

I hereby certify that the above information is true and correct to the best of my knowledge and belief.

MARY GRACE SANCHEZ-VISCA

Applicant

Contact this candidate