John Renz Ripalda

Experience

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  Tata Consultancy Services

  May 2013 - Jan 2015

  Loan Counselor

  - Responsible for doing outgoing calls to collect on past due accounts.- Receiving incoming calls to assist client on their queries for their existing mortgage loan such as but not limited to explaining the details in Promissory Note, Appraised Value of their property, Interest rate, Adjustable-rate mortgage and the likes.- Assessing client's financial capacity and credit worthiness by reviewing their financial documents or information available in the system to provide appropriate remedial management and bring the account to performing loans.- Provides assistance to team members whom are experiencing difficulties in the discharge of duties by giving them personal coaching.- Manage customer escalation and provide high quality service to ensure smooth flow of the transaction.- Directly coordinate and assist team leader on special projects and other tasks assigned. Show less

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  Bahay Financial Services, Inc. (BFS)

  Jan 2015 - Sept 2018

  Account Specialist

  - Achieve monthly individual resolution target- Manage client’s portfolio and ensure processing of accounts within the prescribed timelines- Negotiate the best financial resolution for all accounts based on the settlement guidelines.- Prepare the preliminary term sheet approval and underwriting proposal based on approved policies,procedures and guidelines and submit the same to the team leader for review.- Secure the necessary clearances from relevant departments required in closing the account.- Handles documentation and review of accounts for closing / booking, release of mortgage and fullpayment certification request.- Conduct review of portfolio to evaluate and identify which accounts are for endorsement to foreclosure.- Handle the inquiries of clients, both initial and succeeding visits.- Field visit to borrowers to negotiate settlements of their accounts- Prepare and submit monthly forecast/targets and production report. Show less

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  Rizal Commercial Banking Corporation (RCBC)

  Sept 2018 - Feb 2020

  Account Officer

  - Well-versed on the end-to-end process of consumer loans (Home financing), from accountgeneration, loan packaging, evaluation, documentation, mortgage registration, loan release / bookingand after sales / post sales functions.- Responsible for developing and growing the business portfolio of the home loans under directchannel.- Pre-screens, evaluates, processes and reviews financial and non-financial information of borrowers(retail and corporate clients) to determine home loan applications eligibility- Prepares credit proposals and presentation to higher management (Credit and CollectionCommittee and/or Executive Committee) if needed specifically for accounts with high loan amount.- Monitors credit accommodations and maintains quality loan portfolio by reducing unprofitable andpast due accounts and looks into the regularization of non-compliance of loan conditions of existingaccounts- Facilitates conversion of approved accounts into bookings. Monitor the completeness of signed loan and collateral documents.- Monitors and addresses post-sales concerns of clients- Train and coach new hired Account Officers and discuss existing policies of the department. Show less

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  MFT Group of Companies

  Feb 2020 - May 2021

  Operations and Collections Manager for MRACC

  Loans and Administration Management- Supervise the day-to-day operation of salary loan processing. Review and render final approval on salary loan applications based on the set acceptable parameters to achieve the company’s target.- Coordinate with other shared services department to ensure that release of proceeds to the borrowers are within the committed TAT.- Prepare and monitor all check request related to business operations ensuring that all due invoices are settled on time.- Review and ensure that operation’s weekly reports are complete and accurate as reference by management.- Supervises, train and coach credit and collection specialist/s on loan review and collection.Sales and Account Management- Prepare and analyze the financial condition of the company that will serve as inputs in the Credit Proposal for company accreditation.- Assist sales team in conducting roadshows, roll-out and briefings to corporate and individual clients.- Secure documents to facilitate the accreditation of corporate accounts and availment of loans.- Maintaining good relationship with existing clients and portfolio growthCollection and Remedial Management- Oversee collections callouts, emails and letter sending according to the collection’s status of the account.- Answer client questions and provide support in resolving complaints, concerns, and issues.- Recommend payment arrangement to provide assistance to clients with financial difficulties.IT and Business Development- Work with cross-functional teams and external partners to ensure the establishment of processes to support MRACC’s product.- Coordinate with departments involved in system enhancements and improvements (Finance, Treasury, etc.,) to ensure efficient loans processing.- Conduct and supervises UAT for any enhancement or new businesses made in the lending platform. Show less

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  Philippine National Bank

  Jun 2021 - now

  Remedial Manager