Roy Baguio
Loan Officer/Credit & Collection Officer
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About
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Experience
Loan Officer / Credit & Collection Officer at Banco Rural de Isla Cordova (2024-01 – Present)
- Collections
- In charge of credit documents/loan documents
- In charge of service vehicle
- Market Loans
- Any documents that related to BIR Processing
- Property Appraisal
- Cash flows
- Real estate mortgage
- Chattel mortgage
- Loan processes
- Processing of Extra Judicial Foreclosure
- In charge all renewal of Business Permits, Property Tax, Tax Clearance and Etc.
- Attending Hearing in Municipality Trial Court or Regional Trial Court
- Attend Bidding for property foreclosure
- Annotation and Cancelation of Mortgages in ROD
- Transfer Title Processing (TCT/OCT or Tax Declaration)
- Loan Accounts Reconciliation (Agri-Agra Loan, Small Medium Enterprise Loan, Other Purpose Loan)
- BSP report (ACL, ROPA, Past due Account)
- Conduct Credit Investigation (5Cs of Credit)
- Credit Ratings
- Property Evaluation
- Industry: Banking Industry
OFW Japan - Machine Maintenance/Machine Operator at YAMATO KOGYO (2016-06 – 2022-06)
Job Description: Operate Machines
- Industry: Metal Fabricator/Auto parts
Sales Supervisor at Akromont World Distribution (2015-11 – 2016-03)
- A subsidiary of San Miguel Integrated Sales.
- Handling Magnolia and Pure Foods Product
- Account Confirmation Key Accounts
- In charge of Motorcycle unit use in Salesman
- Leading salesman/Collectors
Sales Account Associate at Soto Grande Hotel & Resort (2015-08 – 2015-11)
- Sales & Marketing Rooms, Venues, Resorts.
- Email Blasting, Packages & Promotions
- Sales Call, Sales Blitz, Function Coordinator, Telemarketing
- Responsible of Handling Valued Customers
- Doing Field Works
- Industry: Hotel and Restaurant
Store Supervisor/Sales & Credit and Collection Supervisor at Skygo Marketing Corporation/SNDC Sto. Nino De Financing Cebu (2013-05 – 2015-08)
- In charge of Renewal Business Permits, BIR Permits, LTO Accreditation.
- Conduct Sales Plan & Marketing Plan, handling Salesman and Collectors
- Bank Reconciliation and Aging Reconciliation
- Do Basic Auditing, Account Confirmation, Inventory
- Monitoring of Petty Cash Fund Revolving Fund, Action Plan for Collection Eff.
- Industry: Motorcycle Industry
Education
Bachelor of Science in Business Administration, Financial Mgt. – University of Cebu Lapu-Lapu and Mandaue (2013-01)
Secondary Education – Cordova Academy Cooperative School - Cebu (2009-01)
Elementary Education – Cogon Elementary School - Cebu (2005-01)
