Noel Samson Cruz

Collections and remedial management professional with 8+ years of lending-industry experience in delinquent account recovery, payment negotiation, legal case preparation, and small-claims proceedings. Attended approximately 500 small-claims hearings and handled the full collections cycle from account monitoring and client follow-up to case filing and recovery. Also experienced in credit investigation, borrower assessment, documentation, reporting, and branch operations.

Remedial Officer / Branch Manager at EVERYDAY LENDING INVESTOR CORP. (2022-02 – Present)

• Manage daily branch operations, administrative requirements, client concerns, and staff performance.
• Oversee delinquent loan accounts from initial follow-up and payment negotiation through legal case preparation, court proceedings, and recovery.
• Prepare and file small-claims cases and execute compromise agreements before the Municipal Trial Court, in accordance with company procedures.
• Attended approximately 500 small-claims hearings, developing extensive practical knowledge of case preparation, documentation, hearing procedures, and post-hearing recovery.
• Negotiate repayment arrangements and settlement plans with borrowers while maintaining professional and respectful client communication.
• Monitor loan portfolios and prioritize accounts according to delinquency status, risk level, and recovery potential.
• Prepare collection reports, branch performance reports, case files, account records, and supporting documentation.
• Coordinate with clients and internal teams regarding account status, payment concerns, legal requirements, and case documentation.
• Train and guide employees on branch procedures, customer service standards, documentation, and collection follow-up.
• Improved collection follow-up consistency through regular account monitoring, structured client contact, and prioritization of high-risk accounts.
• Increased not paying clients by 50% through prioritized follow-ups and structured payment monitoring and filing legal cases since hired.
• Recovered approximately ₱ 6,439,079.42 across three branches from delinquent accounts over 4 years.
• Maintain confidentiality and accuracy when handling sensitive financial, customer, and legal information.

Loan Credit Investigator at EVERYDAY LENDING INVESTOR CORP. (2019-10 – 2022-01)

• Conducted credit and background investigations for loan applicants, co-signers, and character references.
• Verified employment, income, business ops, residential addresses, and submitted borrower information.
• Performed field visits interviews to assess applicant identity, financial capacity, and repayment ability.
• Reviewed loan documents for completeness, consistency, accuracy, and potential authenticity concerns.
• Evaluated borrower creditworthiness and identified risks, inconsistencies, and potentially deceptive information.
• Prepared credit investigation reports and recommendations to support loan approval decisions.
• Coordinated application-status updates with branch personnel and submitted reports within required deadlines.
• Protected confidential borrower records with internal lending policies and procedures.

Loan Credit Investigator at TRESP-MPC COOPERATIVE (2019-01 – 2019-10)

• Conducted borrower background checks, field investigations, interviews, and financial-capacity assessments.
• Verified employment, income, business credentials, addresses, and loan documentation.
• Assessed borrower eligibility, repayment capacity, creditworthiness, and potential fraud indicators.
• Prepared credit investigation reports and risk recommendations for branch review.
• Coordinated loan application updates with branch personnel and maintained confidential investigation records.
• Supported audit readiness by following cooperative lending standards and submitting accurate reports on schedule.

Loan Collector at TRESP-MPC COOPERATIVE (2018-06 – 2019-01)

• Managed follow-ups for overdue loan accounts through calls, text messages, and field visits.
• Negotiated payment arrangements and settlement plans with delinquent borrowers.
• Monitored past-due accounts, updated payment status, and maintained accurate collection records.
• Prepared daily, weekly, and monthly collection reports for branch management.
• Resolved borrower concerns regarding balances, payment schedules, penalties, and account status.
• Maintained professional client relationships while pursuing timely payment and account recovery.
• Coordinated with branch staff to improve follow-up activity and delinquent-account resolution.

Credit Investigator at FAST TAT CREDIT SERVICES INC. (2015-01 – 2018-02)

• Verify the applicant's identity, employment, business, income, and other information provided in the loan application.
• Visit the applicant's residence, workplace, or business to validate their actual living and working conditions and confirm the information submitted.
• Evaluate the applicant's ability and willingness to repay by reviewing income, existing debts, payment history, employment stability, and overall financial capacity.
• Contact employers, business contacts, landlords, neighbors, and other references to validate the applicant's background and financial information.
• For housing and auto loans, verify the existence, ownership, condition, location, and other relevant details of the property or vehicle being offered as collateral.
• Detect inconsistencies, falsified documents, suspicious applications, undisclosed liabilities, or other potential risks that could affect the approval of the loan.
• Document findings accurately and submit a detailed credit investigation report to the Credit/Loan Officer or approving committee, highlighting positive findings, discrepancies, risks, and recommendations for approval or rejection.

Completed Two Years of Coursework in Information Technology – Asia Technological School of Science and Arts (2013)