Joar E.

Experience

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  1st Valley Bank, Inc., A Development Bank

  Jun 2011 - Jun 2019

  ✸ Successfully visited bankwide branches to streamline operational procedures, mitigating potential risks and ensuring strict compliance with policies and regulations.✸ Played a key role in assisting the IT department in developing and implementing an automated loan computation system.✸ Managed operational activities, assessed and monitored risks, and recommended improvements to prevent future occurrences.✸ Collaborated with the IT team for testing sessions and supported training institutes in enforcing policy adherence.✸ Monitored and analyzed reported risk events across branches and business units. Show less ✸ Successfully streamlined job responsibilities and details for all bank personnel, ensuring compliance with policies and procedures while driving a successful marketing campaign to boost the loan portfolio.✸ Conducted thorough checks on cash department documentation and major transactions for accuracy and completeness.✸ Supervised all branch departments and conducted fieldwork to assess market needs and investigate potential clients.✸ Led staff meetings and reported branch operations results in area meetings.✸ Developed and executed branch budget and targets, while conducting performance evaluations for all branch staff. Show less ✸ Effective supervision and management resulted in the branch being recognized as the top-performing branch in 2014 and subsequent years.✸ Operational and accounting activities were directed, coordinated, and supervised to meet targets.✸ Responsibilities included maintaining cash and check balances, authorizing transactions, and ensuring accuracy.✸ Additionally, tasks encompassed handling time deposits, managing end-of-day clearance, overseeing new accounts, monitoring daily collections, and preparing financial statements. Show less

  • Compliance Manager/Acting Compliance Officer

    Aug 2018 - Jun 2019

  • Operational Risk Specialist

    Feb 2017 - Aug 2018

  • Branch Manager

    Jan 2016 - Feb 2017

  • Assistant Branch Manager for Operations

    Nov 2013 - Jan 2016

  • Branch Bookkeeper

    Jun 2012 - Nov 2013

  • Loans Processor, Concurrent Gold & Gems Appraiser

    Jun 2011 - May 2012
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  Welcome Finance Philippines

  Jul 2019 - Sept 2019

  Branch Head - OIC

  ✸ Successfully directed and streamlined branch operations, achieving monthly portfolio targets and optimizing internal processes.✸ Led a team of 3 personnel and oversaw sales and marketing, loan disbursement, collection, customer service, and administration.✸ Conducted market research and implemented effective marketing strategies.✸ Analyzed loan portfolio data, administered customer surveys, and facilitated training sessions to enhance performance.✸ Built strong agency relationships and ensured continuous improvement through coaching and motivation.✸ Proactively fulfilled assigned tasks from Department and Division Heads. Show less

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  First Standard Finance Corporation

  Sept 2019 - Feb 2021

  District Legal Officer, concurrent District Collection Officer

  ✸ Effectively supported the Corporate Legal Manager, supervising Legal Clerks in multiple branches.✸ Oversaw legal departments in Northern, Western, and CARAGA Mindanao.✸ Evaluated accounts for litigation and recommended legal strategies.✸ Managed dispute settlements, credit workouts, and compromise agreements.✸ Consolidated reports for North Western Mindanao and ensured timely case handling.✸ Provided guidance to Legal Clerks and ensured deliverables were met.✸ Achieved significant milestones in improving the district legal department's financial status and compliance between September 2019 and January 2021.✸ Adopted a control mechanism to monitor the daily activities of the Legal Clerks under the district.✸ Endorsed and evaluated 12 recovered vehicle units under ITL accounts for proper disposal and obtained appropriate approval.✸ From 27 September 2019 to 31 January 2020, 8 vehicle units were disposed of, totaling PXXM in cash collection.✸ Performed branch visitations to conduct strategic planning and/or action plans for the accounts handled by Legal Clerks.✸ Scheduled various visitation drives to defendants together with Legal Clerks in order to follow-up and assess their financial status and capacity to pay.✸ The district generated a total collection of PXXM, involving 32 accounts, as a result of visitation drives to defendants and branch visitations for strategic planning and audit.✸ This includes: (1) Collection effort through visitation and/or follow-up, (2) Discovery of unrecorded cash and property collections, and (3) Formalization of full settlements. Show less

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  Upwork

  Dec 2020 - now

  Top 3% on Upwork: US Accounting, Bookkeeping, Financial Planning (AU), Data Analysis & Visualization

  ✸ Earned a Top-rated Plus badge, representing the top 3% of talents on Upwork with expertise in Excel, Google Sheets, QuickBooks Online, Xero, and Wave Accounting and Bookkeeping. Currently working remotely for clients in the United States, with a strong focus on streamlining financial processes and ensuring accurate records for small business owners and accounting firms. I have a proven track record in creating and managing financial spreadsheets, including IRS-related tax deductions templates, to ensure seamless bookkeeping and drive financial success.✸ With a track record of 55 successful projects spanning multiple countries, my expertise in Accounting, Bookkeeping, and Financial Planning has ensured accurate data entry, analysis, and visualization for businesses in the United States, Canada, Philippines, Israel, Germany, and more. Additionally, my administrative support and project management skills have streamlined processes and enhanced client satisfaction in various industries, including photography, tax, marketing, software development, real estate, and finance. Show less