Jose Iv Verano

Results-oriented professional with 12 years in loan and credit processing, accounts management, and community relations. Expertise in end-to-end loan processing, credit assessment, and document verification. Proven ability to manage high-volume applications while maintaining accuracy and compliance.

Account Assistant at Land Bank of the Philippines (2024-02 – Present)

• Processed and packaged loan applications, ensuring compliance with regulatory standards and completeness for efficient approval.
• Supported Account Officer in managing loan accounts for Credit Cooperatives and Small and Medium Enterprises, facilitating smooth operations.
• Conducted credit and financial analysis including income statements, initial collateral evaluation and borrower background checks.
• Verified client documents for compliance with approved conditions and policies, contributing to risk management and loan security.
• Managed the overall loan origination, documentation, disbursement, servicing, balance reconciliation remedial and portfolio monitoring.
• Administered insurance monitoring and brokering to ensure loan security.

Loans and Credit Processor at Land Bank of the Philippines (2017-12 – 2024-01)

• Reviewed and validated loan documents and drawdowns for accuracy, ensuring compliance with eligibility criteria.
• Performed data entry and maintained accurate loan records to support efficient processing and retrieval.
• Conducted credit checks and ensured AML/KYC compliance.
• Administered Management Information System to track and assess bank's loan portfolio performance, enabling informed decision-making.
• Assisted in loan recovery and audit documentation.

Field Credit Investigator/Appraiser at Orix Metro Leasing and Finance Corporation (2013-01 – 2016-04)

• The Field Credit Investigator and Appraiser conduct thorough background and field checking of credit applicants to gather relevant information.
• Prepares the necessary reports for the management and internal customers in a fast and timely manner.
• Establishes the veracity of information provided by the credit applicants.
• Providing Objective appraisal of collaterals to establish the proper and reasonable valuation of assets.
• Monitors incoming and outgoing requests and reports to effectively manage its assignments.
• Answers credit inquiries from other banks and financial institutions.
• Assists Legal and Collection Department in recovering/returned/end of lease collaterals or performing repossession.
• Completed additional tasks assigned by management.

Bachelor of Science in Financial Management – Bicol University (2013)