Ruther Ryan Cruz

Experience

• 

  Pizza Hut

  Aug 2014 - May 2017

  Team Member

  Key Qualifications & ResponsibilitiesReliable and punctual.Cash handling.Reliable team worker.Neat, clean and professional appearance.Comfortable standing for long time periods.Math and language skills.Delivers exceptional customer service.Excellent multi-tusker.

• 

  ORION WIRE COMPANY INC

  Aug 2019 - Jan 2020

  Associate Sales Representative

  Key Qualifications & ResponsibilitiesExplore and identify possible clients that shall generate new sales opportunity for the companyStrengthen brand awarenessEnsure customer satisfaction by providing product solutions and resolving customer’s concerns and queriesproduct presentationMaking a computation of the client depends on the request or demand.Prepare necessary reports for the weekly, monthly, and yearly salesPerform other duties as may be assigned of the sales manager Show less

• 

  Metrobank

  Feb 2020 - Dec 2020

  Associate Sales Representative

  Key Qualifications & ResponsibilitiesGenerate card acquisition targets on a daily, monthly basis using the existing promos and programs of the company Conduct face to face selling to existing clients and walk-in clients of the branch assigned based on schedule Do call outs to branch clients from names given by MCC or MB. Answer customer and branch queries pertaining to acquisition process and products Conduct follow ups and completion of application Submission of required reports to the Branch Sales Head and/or MCC Sales Management Communicates issues and concerns received from the branch and its clients to the Branch Sales Head most especially items that may result to bank risk Perform other tasks, responsibilities, projects which may be assigned from time to time. Show less

• 

  Bank of Makati, A Savings Bank

  Mar 2023 - Sept 2024

  Job Objective:The position shall assist the CRMD Head in the preparation and analysis of reports for the Risk OversightCommittee (ROC) and prepare responses to management directives in the form of proposals andRecommendations. He shall assist in CRMD review of the Borrower's Risk Rating (BRR) / Credit RiskRating for all loans.Main Responsibilities1. Performs monthly loan portfolio management which includes monitoring and analysis of movement ofLoan accounts of the Bank.2. Prepares the monthly reports for presentation to the ROC to be submitted and reviewed by theDepartment Head.3. Analyzes the data of loan loss provisions for business and housing loans to determine the Bank'sAllowance for credit; reports overall findings to the Mancom and the ROC.4. Performs quarterly Credit Stress Test to determine the loan loss provision of credit allowance of theBank for presentation to Mancom and to the Board of Directors.5. Prepares responses to management directives in the form of proposals and recommendations.Other responsibilities1. Performs yearly review and validation of the existing Borrower's Risk Rating, reviewed and presentedBy the Department Head to Mancom Risk.2. Performs other functions that may be assigned from time to time.3. Adheres to the provisions of the bank's Code of Conduct and Discipline.4. Reports any fraudulent, suspicious acts or unlawful activities / transactions immediately to immediateHead to preempt potential risks to the bank.5. Attends training and seminars deemed necessary such as BMI's, CORE-PRO, Vision Casting &Culture Building, Anti-Money Laundering Act (AMLA) Training and others.6. Maintains cleanliness and orderliness in the work station.7. Ensures proper upkeep/maintenance of assigned equipment.8. Uses Unit resources, i.e., utilities, supplies, judiciously Show less

  • Acting Officer -Credit Risk Management

    Jul 2022 - Sept 2024

  • Credit Risk Associate

    Feb 2021 - Sept 2024

  • Marketing Analysis Report Officer

    Mar 2023 - Mar 2024
• 

  DXN INTERNATIONAL LTD

  Jul 2024 - now

  Marketing Supervisor