BRENDA ROSELLA E. PALAD, CFC®, MBA

Las Pinas City, Philippines

Cellphone Number: +639*********

Email Address: adir93@r.postjobfree.com

Linkedin: https://www.linkedin.com/in/brenda-rosella-palad-cfc-mba-07a5541/ EXECUTIVE SUMMARY

I am a Certified Financial Consultant (CFC®) with more than 25 years of experience in finance, investments, equity research, capital markets, banking, treasury, accounts & relations management, credit management, and loan management. On top of that, I have been a financial educator for the past 15 years with St. Scholastica’s College Manila, Southville International School – University of Chester MBA, & Stock Market School. I have designed programs and curriculum of financial education for both students and professionals. I am familiar with financial platforms like Bloomberg. I currently advise individual clients in financial analysis, industry analysis, stock valuation, and fundamental and technical analysis for stock trading. I helped out companies through management advisory services such as equity research, due diligence, M&A, valuation models, and raising money for short-term and long-term financing. EXPERIENCE

April 2015 to Present

Independent Financial Consultant & Analyst

Worked closely with companies and individual clients to reach their financial and corporate goals through various means that includes but not limited to investments, financial modeling, financing, raising money, due diligence, mergers and acquisition (M&A), industry analysis, and financial analysis.

Selected Consulting Projects

Confidential Water Retailer Company

Engagements: Management & Advisory Services & Equity Research

Provided sell-side M&A services to the company

Performed various valuation models and due diligence in order to determine the value of the firm.

Recommended various tasks to the company such as tax and regulatory compliance loan documentation, updating of inventory and asset values, updating financial statements, creating and updating table of organization with corresponding duties and responsibilities of employees in order to complete the deal

Advised the CEO of the company how to negotiate better terms with the acquiring firm.

Provided equity research reports on Philippine listed companies and recommendation for company’s investment

Confidential Educational Institution

Conducted an analysis of the cash and accounts receivable system as institution had a case of internal theft that led to multi-million losses

Recommended and set-up controls in the accounting system and improvement in risk management processes

Educational institution implemented changes in policy to mitigate fraud and theft. Confidential Real Estate Company

Designed and developed a training program of 10-hour stock trading sessions on Fundamental and Technical analysis for different departments and positions within the company.

Fundamental Analysis primarily covers the study and analysis of the financial performance of a listed company. It includes a top-down approach of evaluating geo- political events, global economic conditions, economic situation of a country where the listed company is operating, environmental, social and governmental issues and corporate governance.

Technical Analysis is the study of trends, patterns and indicators through the use of various charting techniques.

Used ADDIE model to evaluate the training needs

February 2013 to June 30, 2018

Lecturer & Coach

Stock Market School (SMS) Foundation, Inc

SMS Foundation Inc is the first ever stock market school in the Philippines established by licensed brokers and industry practitioners. They advocate a scam free Philippine through proper investment education specifically in the stock market and capital markets.

Handled twenty batches of students (estimated around 200 students of different backgrounds and profession) and taught the following topics: Fundamental Analysis, Behavioral Finance, Financial Markets, Basic Derivatives, Technical Analysis, & Stock and Firm Valuation

Program & Curriculum Development

Supported and assisted the Program Head in developing training materials in PPT and resources to help enhance the skills of learners and/or trainees

Helped in the enrollment of the program

Created a training program for undergraduate students for their practicum sessions at stock brokerage companies based on expected knowledge, skills, and abilities (KSAs) and filling the gap on actual KSA and experience of students November 2006 to April 2015

Chairperson & Faculty Member, Financial Management Department St. Scholastica’s College (SSC), Manila

SSC Manila is one of the most prestigious and progressive colleges for women. SSC Manila offers elementary education, four-year high school education, two-year senior high education, tertiary education, and graduate programs. The Financial Management Department is under the School of Business.

Taught topics of methods of research, statement of financial analysis, financial ratios, time value of money, capital budgeting techniques, weighted average cost of capital

(WACC), capital assets pricing model (CAPM), capital markets including the process of IPO, M&A, and loan syndication, portfolio management, revenue and disbursement cycles of a company, and cost behaviors for almost nine batches (estimated 400 students) for both Schoos of Business and Hotel and Restaurant (HRM) Management

Ensured quality education provided by the faculty members by hiring qualified professors in accordance with the college guidelines (minimum evaluation of 3.0) and closely monitored teaching performance and students’ grades

Designed and developed the Financial Management curriculum and syllabi based on the changing requirements of companies and latest trends in the industry. Introduced new subjects to the curriculum such as Venture Capital, Risk Management, & Treasury Management

Subject materials such as textbooks were carefully studied and selected to support students’ learning

Handled Thesis Review and Advising to graduating students. The thesis covered industry analysis, and financial planning through the use of Balanced Scorecard (BSC)

Monitored the academic performance of students in the department (minimum of C+)

See attached portfolio for a description of all subjects taught and/or handled. June 2004 – September 2004

Finance Officer

Cargolift Inc.

Cargolift Shipping Company offers oil shipping service to the Top 3 oil players around the country.

Handled the main treasury functions of the company.

Maintained bank relationship and opened credit lines and businesses of more than P20 million with other banks.

Prepared daily, weekly, monthly, and yearly projected and actual cashflows of the company.

Monitored and managed the assets of the company by updating its values through coordination with Appraisal companies.

Ensured that taxes on assets and on business operations are paid and up -to -date.

Prepared monthly variance analysis of the company’s actual vs. budgeted revenues and expenses.

Coordinated and prepared the yearly CAPEX budget of P100 million of the company. September 2001 to January 2002

General Manager

CopyCare Philippines, Inc.

Copycare provides rental and maintenance of Ricoh and Panasonic copiers and setting up of copying centers in corporation, schools, colleges, & universities.

Ensured efficient business operations such as delivery of machines, customer service and sales.

Designed and implemented business plans to enhance revenues and minimize costs.

Monitored the monthly Revenue and Expenses of the company by analyzing the actual versus the budgeted reports.

Prepared various management reports such as weekly and monthly Sales or Revenues, field work expenses and repairs and maintenance costs.

Responsible for the preparation of Monthly Profit and Loss Statements.

Handled the marketing strategies and customer creation and retention efforts of the company.

Ensured that the Customer Representatives provided quality service to customers through preparing Customer Engagement Reports.

Created Performance Appraisal guidelines to various positions in the company to ensure the continuous improvement and enhanced productivity. June 1992 to Oct 1998

Bank Officer

Philippine Commercial International (PCI) Bank

PCIBank was the fourth largest commercial bank before its merger with Equitable Banking Corporation. The merged entity Equitable PCI was subsequently acquired by Banco De Oro in 2007 and now are known as BDO.

More than 5 years of banking experience and I held various positions starting from clerk moving to financial analyst, and being promoted to account officer. Account Management & Credit Management

Ensured the efficient and effective management of assigned borrowing accounts (valued at Php 1B) so as to maintain quality credit process and loan portfolio.

Prepared credit proposal to Credit Committee for approval such as Short-term and Long- term loans, Discounting Line, Import/Export Bills and Personal Loans

Handled transactions such as loan release and collection of payments from clients.

Prepared Delinquent Account Monitoring Report which included preparation of collection letters and Account Reclassification Review (upgrading or downgrading of accounts such as Current, Classified, Doubtful and Loss)

Responsible for monitoring and updating of credit and collateral documents of borrowing clients.

Offered various financial products to borrowing companies such as credit cards, car and/or fleet financing and collection management system offered by the Bank.

Managed and processed booking of 300 Back-to-Back loans.

Coordinated with different branches for the release of loans and its respective collection of payments. Ensured safekeeping and preparation of credit and collateral documents.

Responsible for the updating of credit and collateral documents such REM, CM, RETRs, Tax Declaration, collection letters, credit investigation reports and client reports.

Performed administrative duties such as filing, receiving documents, and updating credit documents.

Financial Analysis

Evaluated financial statements of all corporate accounts as to profitability, liquidity and solvency.

Prepared projected Financial Statements and its corresponding financial analysis including sensitivity analysis on borrowing clients.

Responsible for the monitoring and preparation of various report requirements of the bank and Bangko Sentral ng Pilipinas (BSP)

Responsible for the preparation of Reserve Requirement for Classified Accounts or Non- Performing Loans.

Handled the preparation of the departments Profit and Loss (P&L) statements and its yearly budget.

SEMINARS ATTENDED

Microsoft SQL Server 2019 Essential Training

Linkedin Learning – Adam Wilbert

October 2020

The course is designed for beginners to help in understanding and developing skills to create and manage SQL Server Database. It focuses on installing SQL Server and logging into a local database server. The course thoroughly covers creating new databases, design tables, define relationships, write queries and use stored procedures and built-in functions. Learners are also taught to perform database administration tasks such as backups and restores, security enhancement and performance monitoring.

Investment Banking and Financial Modeling Program

Wall Street Mojo

January 2020

The course gives extensive discussion on the many functions and aspects of Investment Banking. It covers, IPO, Mergers & Acquisition and Leverage Buyouts. Learners are taught with the different types of valuation used to determine the value of a firm and given the idea how to negotiate a deal. Valuation lessons are explained through the use of Financial Modeling

(Excel and Macros VBA). Valuation models are illustrated using different cases from different industries.

Wall Street Mojo was a website founded by Dheeraj Vaidya helps students and professionals to become awesome in Financial Analysis. He is the CEO and Co-founder of EDUCBA – an Online Video Training firm with more than 4500+ video courses in areas of Finance, Data Science, Technology, Design & Creativity, Business, Certification and Project Management Wordpress CMS

Inventive Media

July 2017

Inventive Media in one of Philippine’s top hands-on learning hub for digital media, website development and computer networking. It was founded by Henry N. Ong, II. Faculty Development Modules & Department Chairperson’s Seminar and Orientation St. Scholastica’s College, Manila

2006 – 2015

Problem Loan Prevention and Management

Ateneo-BAP

November 2000

Corporate Leadership

Ateneo Graduate School of Business

October 1999-January 2000

Credit Management Modules

PCIBank

April 1993 – February 1997

Import/Export Seminar, Core Credit-Financial Analysis/Credit Evaluation, Signature Verification

& Counterfeit Detection, Legal & Documentation Seminar & Credit Monitoring

EDUCATIONAL BACKGROUND

Certification

Certified Financial Consultant (CFC®)

Institute of Financial Consultants (IFC)

Certified Financial Consultant Program

September 28, 2013 – November 9, 2013

The Institute of Financial Consultants (IFC) is an international professional organization chartered in the United States, and Canada. To date, the Institute has more than 8,500 members in more than 17 countries.

Graduate

Ateneo de Manila University Graduate School of Business Master in Business Administration

October 1999 to July 2002

Dean’s List for three consecutive terms

College

St. Paul College of Manila

Bachelor of Science in Commerce, Major in Accounting 1987-1991

Member – Jr. Phil. Institute of Accountants 1988-91 Member - Marketing Society 1989 – 1991

Member Economic Society 1987-1988

Participated in community service of the school by teaching children in depressed areas in San Andres, Manila – 1989

High School

St. John Bosco Academy,

Tayabas, Quezon

1983-1987

Salutatorian

Best in Science Award 1987

5thPlacer in Science Quiz Bee for Region IV – 1986 1st Place Science Quiz Bee for Tayabas, Quezon

Christian Living Award

Junior President 1985-1986

Vocation Club President 1984-1985

Volleyball Player 1984-1986

Elementary

Tayabas East Central School

1977-1983

OTHER INFORMATION

Skills and Platform

I used many sources of financial information with www.gurufocus.com, www.morningstar.com, and www.reuters.com

I am proficient in the use of MS Office applications MS Word, PowerPoint, and Excel. I have the ability to use Basic VBA and create Macros. Also, recently, I completed Basic Microsoft SQL Server 2019.

As a learning and development specialist, I am familiar with learning management systems

(LMS) like Moodle & similar systems for creating lessons, presentations, assignments, exams, & discussions.

I attached my portfolio that includes example of modules, description of subjects taught, and training program developed.

Hobbies and Interests

On my spare time, I unleash my creative side. I wrote articles on www.in5d.com. I contributed two (2) articles entitled, “Living the Light of Courage” and “Wisdom of the Lotus Flower”. Using Canva, I designed and created my own oracle cards, “Soul's Journey Oracle Cards”. It is used to tap into the deeper and current consciousness of the querent or user to assist in expanding awareness onto Self and to cultivate more loving awareness. Self-love is part of my spiritual beliefs and I do meditation and deep breathing to calm my mind and body and to train my mind to be always in the present moment. Also, the practice of Pilates/Yoga enhances strength and relaxation.

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