Roy Baguio

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.

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

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)