Maricel Neo - De Los Santos

Experience

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  Philippine National Bank

  Feb 2009 - Oct 2017

  *Reviews documents submitted by existing and new clients relative to credit evaluation request. *Requests for credit investigation and appraisal of existing/offered collaterals to Credit Department. *Requests from client other information and/or pertinent documents needed in the evaluation. *Examines and analyzes financial and investment information collected.*Prepares financial spreadsheets for historical and projected financial statements.*Determines the credit line utilization/account payment performance *Prepares summary on the account requests, collateral business, collateral position, identity/background and ownership/management structure.*Attends, together with the Relationship Manager, client calls and plant visits.*Prepares the formal loan recommendation for the approval of the corresponding credit committees for the credit worthy borrowers.*Prepares loan recommendation/approval sheet/funding clearance for the Bank to advance payment of realty taxes and insurance premiums.*Prepares program-related monitoring and progress reports. Show less

  • Relationship Manager

    Feb 2015 - Oct 2017

  • Relationship Associate

    Apr 2011 - Feb 2015

  • Senior Administrative Clerk

    Jul 2010 - Apr 2011

  • Senior Administrative Clerk

    Feb 2009 - Jul 2010
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  Bank of the Philippine Islands (BPI)

  Nov 2017 - now

  *Handled Cebu Large Corporate accounts *Recommends credit proposal for approval by appropriate credit committee*Ensures proper implementation of approved credit proposal *Monitors account performance and continued creditworthiness of borrower *Ensures collection of required payments from borrower *Actively solicit, develop and originate new deals and business opportunities from existing and prospective accounts; and manage the loan, trade, insurance, treasury, corporate solutions, corporate cards, finance lease facility, investments, cash management facilities and other related relationship management activities of assigned portfolio *Coordinate with Legal Department on documentation review; and with Loans Operations on documentary compliance to ensure the smooth implementation of approved credit proposals and the transactions emanating from it *Monitor and ensure clients’ compliance with the documentary requirements *Alert management of possible deterioration of clients’ credit condition Show less

  • Sales Officer - Transaction Services Division (Cash Management)

    Nov 2020 - now

  • Relationship Manager - Corporate Banking, Large Corporate Clients Segment Group / Portfolio of P4.5B

    Nov 2017 - Nov 2020