CRUZ, Abegail Ann L.
Contact Numbers:- /-
E-mail Address-City Addess:Blk 19 Lot 7, Brgy. Escopa 4, Libis,
Project 4, Quezon City
Professional Qualification
Bank of the Philippine Islands- July 01, 2011 - December 31, 2017
Family Savings Bank
Sales Intake AssociateJuly 01, 2011 – May 01, 2012
Part of the Credit Evaluation team concerned in interviewing Auto Loan applicants and monitoring daily accounts.
Credit AnalystMay 01, 2012 – Dec 31, 2016
Evaluate customer records based on application from dealer, branch online application.
Analyses credit data and financial statements.
Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Pre-screen, call / client interview and encode all the applications within turn-around time.
Suggests credit decision to Designated Lending Officer.
Trains newly hired analysts & marketing assistants.
Banco de Oro Universal BankFebruary 16, 2017 – present
Credit Officer /
Junior Assistant Manager IIFebruary 16, 2017 - present
Under Home Loans Credit Division
Analyses home loan application fresh from the developer, and branch applications.
Evaluates account within a given turnaround time
Provides credit decisions for an account
Provides credit / financial analysis for loan amounts that require Crecom approvals
Trains newly hired Sales / Account officers and Credit officers
Prepares simplified cash flow analysis for home loans
Educational Attainment:
Tertiary -)Rizal Technological University
Bachelor of Science in Business Administration
Major in Business Management
Personal Information:
Date of Birth: May 11, 1991
Religion: Catholic
Civil Status: Single
“Consistent WOW employee awardee for-” (For achieving the highest rating in the areas of work productivity, quality of output & overall performance)
“Annual WOW employee awardee for 2015 & 2016” (For achieving the highest rating in overall performance among all the awardees/participants).
“Best Team Player” for 2017 & 1Q & 2Q of 2018 Home Loans Credit DOA Team (For achieving the excellence award among all credit officers under Credit Deed of Assignment Team).
“Best in Productivity” for 1Q of 2018 Home Loans Credit DOA Team
(For achieving the highest productivity on processing accounts under Credit Deed of Assignment Team).
“Accuracy Expert” for 3Q of 2018 Home Loans Credit DOA Team
(For attaining the best number of processed accounts with a turnaround time for the whole DOA Team).
Seminars/Trainings Attended:
(Bank of the Philippine Islands)
July 05, 2011 and February 09, 2015
Anti-Money Laundering Act / MLPP
December 20, 2012
Business Continuity Management
December 21, 2013
Values Orientation Workshop
June 18-19, 2013
Values Orientation Workshop
November 11, 2013 and Feb 18, 2016
Conflict of Interest, Information Security Management & Risk Management Overview
March 8-9, 2014
Business Correspondence Writing
May 8-9, 2014
High Impact Bank Selling
February 19-20, 2015
Handling Telephone Sales
December 03, 2015
Professional Image Development
BPI Total Quality Yellow & Orange Belt Assistant Leader “Marketing Sales Tutorial for newly hired employees”.
(Banco de Oro)
February, June 2017 & January 2018
Anti-Money Laundering Act Modules 102, 103, 104 & 105
October 2017
Financial Analysis (For credit evaluation of Elite and Crecom approval accounts).
November 2018
Code of Conduct (e-Learning for Home Loans credit team)
Februray 2019
BISCUIT 101 – 106 (e-Learning for Home Loans credit team)
Character References:
Arlene M. Almario
AVP / Unit Head / BPI Family Bank
Auto Loans Credit Evaluation-
Mary Caroline C. Villanueva
Manager / BPI Family Bank
Designated Lending Officer-
Dianne Camille A. Antonio
Manager / BPI Family Bank
Designated Lending Officer-
Stacy Jane L. Baldovino
Jr Assistant Manager / BDO
Housing Loans, Lending Officer- loc 44901 /-
Engr. Bryan Q. Rivera
Sr Assist Manager / PSBank
ROPA Appraisal Head-
Sheina R. Rebadavia
Assistant Manager / BDO
Housing Loans, Credit Officer- loc 43413 /-
