Michelle Taopa, CB, RCA

Experience

• 

  Toyota Motors Davao

  May 2010 - Jun 2011

  Accounting Staff

  • I analyze financial statements and maintain general ledger accounts by conducting reconciliation of accounts. I was specifically assigned to monitor auto insurance of all the clients. I prepare monthly financial reports by collecting, summarizing, and analyzing company account information and details.

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  ONE NETWORK BANK, INC. (A RURAL BANK)

  Jun 2011 - Feb 2014

  Bank Teller/New Accounts/Accounting Staff

  • On tellering, I provide account services to customers thru receiving deposits and loan payments, encash check, issuing savings withdrawals. On new accounts I inform customers of the procedures for applying bank services such as opening an ATM cards, deposits and other similar activities offered by the bank. I also handle replenishment of ATMs and acts as roving teller, if needed. • On accounting, I maintain financial records for the bank thru posting financial transactions (deposits, withdrawal, etc) using a computer software. I check records for accuracy, reconcile entries and balances and create reports from the data. Show less

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  BPI FAMILY SAVINGS BANK, INC.

  Feb 2014 - now

  Mainly responsible for the credit review and evaluation of the borrower's payment capacity while ensuring that the credit evaluation, the credit facilities and the purpose of borrowers are in conformity with the Bank's credit guidelines and standards for credit quality and TAT.Specific Functions:1. Conduct credit evaluation of new and existing credit.2. Recommend the appropriate credit or loan package and line/loan limits.3. Conduct timely term loan reviews and line renewals.4. Ensure compliance with legal, regulatory and credit risk management requirements. Show less I am responsible for gathering, analyzing and evaluating data of clients' character - their stability, paying habits and personal track records. I also track their capacity to pay other debts and expenses while determining ability to repay current obligations. I assess their collateral and acceptable assets and consider a number of outside circumstances that may affect the borrower's financial situation and ability to pay, thus looking into movements in the local economic competition and outside market. Show less

  • Assistant Manager

    Jun 2019 - now

  • Credit Analyst

    Feb 2014 - Jun 2019