John Carlo Pacala

Results-driven SME banking professional with 7+ years of experience in portfolio management, credit evaluation, and client relationship development. Proven ability to grow and manage SME accounts, structure financing solutions, and exceed sales targets while maintaining strong credit quality.

Business Solutions Officer - Manager at BPI (2025-01 – Present)

• Acquired new-to-bank clients and managed a portfolio of SME clients by offering financing and deposit solutions tailored to their business needs, generating ₱755M+ in booked loans and achieved 123% above target.
• Structure and deliver credit facilities averaging ₱5M+ per transaction for a purpose of working capital and expansion.
• Conducted in-depth credit evaluation, enhance due diligence, and market analysis to identify high-potential accounts and mitigate credit risk with below 1% NPL and 0% straight rollers.
• Cross-sold a range of financial products such as corporate deposit accounts, payroll and trust products.

Sales Support Officer - Assistant Manager at BPI (2020-03 – 2024-12)

• Supported Relationship Managers in handling SME and corporate accounts with combined portfolio of ₱1.8B+.
• Processed and monitored an average of 65 loan applications monthly with ticket value of ₱8M+.
• Monitored sales pipelines and provided timely reports on lead conversion, client status, and fulfillment of product requirements, contributing to 90% approval rate.
• Assisted in client servicing through follow-ups, account updates, and post-approval documentation.
• Processed and monitored an average of 65 loan applications monthly with ticket size of ₱8M+.
• Consistently recognized for process accuracy, speed, and teamwork in support of monthly and quarterly sales targets.
• Recognized consistently as top performer for booking volume per capita nationwide out of 12 Sales Support Officer.

Financial Advisor - JAM at BDO Life Assurance Company (2018-01 – 2020-01)

• Demonstrated strong consultative selling by matching client needs with long-term financial protection and investment solutions.
• Developed a strong foundation in relationship selling, needs-based analysis, and performance-driven work culture.

BSBA in Marketing Management – Polytechnic University of the Philippines (2012 – 2016)