ALDEN RAY M. EJORANGO
Solid Cement Compd., Sitio Tagbac, San Jose, Antipolo City • Mobile:- ;- •-Sales and Marketing ~ Process Improvement ~ Risk Management
A goal-oriented and result-driven Sales & Management Executive who has profound ability to interact with new and existing customers,
with solid knowledge of credit and financing policies and procedures in accord to banking regulations, demonstrated the ability to lead
diverse teams and co-professionals to new levels of success in a highly competitive industries and fast-paced environments with local
and multinational corporations. Strong technical and business qualifications with an 10 years track record of hands-on experience in the
Banking, Finance and Financial Technology (FinTech) industry, with significant exposure in strategic planning, process improvement,
product development, and risk management. Proven ability to successfully analyse an organization's critical business requirements,
identify deficiencies and potential opportunities, and develop innovative and cost-effective solutions for enhancing competitiveness,
increasing revenues, and improving customer service offerings.
CORE COMPETENCIES
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Sales Generation
Account Management
Branch Banking & Operations
Credit and Collection
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Risk Management
Audit & Compliance
Process Improvement
Product Development
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Strategic Planning
Project Management
Business Intelligence & Analytics
Training and Team Building
PROFESSIONAL EXPERIENCE
October 2018 to Present
CARMUDI PHILIPPINES, INC., 4F Mancor Corporate Center, 32nd St., BGC, Taguig City
HEAD, LOANS DEPARTMENT:
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Responsible for the overall target and performance of the Department
Strategize on generating customer leads, efficient management of applications, improve the branding of the company
Widen and enhance business relationship with Financing Partners / Banks’ Executives and Automotive Dealers
Report directly to the Managing Director, Head of Philippine Operations.
Collaborate with counterpart in other Country (Indonesia and Sri Lanka) to improve business and keep investments are growing
Ensure that thousands of loan applications are catered efficiently while maintaining quality
October 2017 to September 2018
TANAY RURAL BANK, Unit 3101 to 3108 Raffles Bldg., Ortigas Center, Pasig City
ASSISTANT VICE-PRESIDENT AND HEAD, LOANS PRODUCT DEPARTMENT:
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Responsible for the overall target and performance of the Department amounting to over P50 million per month
Increase number of High Net Worth Individuals (HNWI) and growing corporations to enlist as top clients
Directly report to the President; and bi-monthly present reports to the Senior Credit Committee
Member of Management Committee (ManCom)
Devise policies necessary to execute plans effectively
Manage business relationship with External Partners, Sales Agents and Marketing Agencies
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November 2016 to September 2017
PACIFIC ACE SAVINGS BANK, Subic Bay Freeport Zone, Olongapo City
GENERAL MANAGER :
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Strengthen and widen the bank’s business relationship with its clients in Hong Kong, Macau and in the Philippines.
Work directly with the stakeholders and Board of Directors and translate the directions to the business operations.
Member of the Credit Committee who reviews risk, determine the viability of all credit proposals and approve within limit.
Member of the Management Committee (ManCom) who being the policy-making body ensures its effective implementation.
Manages various Departments (i.e. Branch Banking, Loans Dept, Credit and Collection, Accounting, IT and Compliance)
Responsible for the over-all administration and day-to-day operations of the bank in accordance to prescribed rules and
procedures of the BSP and other government regulators. NOTE: The Bank operates as the Head Office and a Branch.
Spearheaded major projects of the Bank such as KYC (Know Your Customer) & E-MONEY Transition, EMV Migration,
BANCNET Online & Mobile Banking, CIC Compliance, etc.
Represents the Bank to its corporate affairs with BSP, PDIC, CIC, BancNet, Chamber of Thrift Banks, BIR and other
external parties to ensure compliance to all requirements and practices.
Increase CASA, TD and loans portfolio, OFW remittance transactions, improve collection and ROPA Disposal
Formulate programs and execute Bankwide Short-Term and Long-Term Plans
Work closely with the Compliance Officer for performing periodic review of policies and conducting of internal controls.
Monitor and respond to BSP (Central Bank) & External Auditors examinations.
Oversee daily operations and address any staffing issues.
Supervise and conduct trainings for bank personnel to keep them abreast to the latest banking regulations and practices.
Successfully minimized the delinquency ratio to 12% from 65%
Successfully transitioned the Bank to EMV (Europay, Mastercard and Visa), a global standard for chip-based cards.
Maintained significant amount on net income generated from remittances, loans, and other investment medium.
Aligned practices of the Bank in accord to MORB and completed the manuals / policies required by BSP.
February 2016 to August 2016
BANK OF THE PHILIPPINE ISLANDS - BANKO, San Juan City, Manila
COMPLIANCE TESTING OFFICER / QUALITY ASSURANCE OFFICER :
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Establish infrastructure of audit, impose risk management & ensure compliance of all branches
Visit all branches from Luzon to Mindanao & conduct compliance testing to improve processes and quality of service
Act as Internal Auditor and work closely with the consultants from Italy and Singapore (i.e. Value Partners Business
Management Consultancy Ltd.) to ensure that the audit materials are aligned with the BSP and company regulations.
Reporting under the Office of the President – Compliance Department Head.
April 2013 to February 2016
BANK OF MAKATI (A SAVINGS BANK), Makati City, Manila
BRANCH MANAGER :
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Manage day-to-day operation of the bank branch with a multi-functional work in Sales and Marketing towards the
achievement of significant volume in CASA & TD, Business / Corporate & Consumer loans as it complies with the corporate
regulations and applicable laws. To close deals with a minimal deviation requests to increase branch's income portfolio.
Prepares Financial Package and develop effective marketing strategies in making the bank well-known to the market.
Coach and train subordinates to incline with best performance.
Concurrent MIS Officer / Technical Asst to the Senior Vice President
Represent the Business Sector Head (Bank’s SVP & Head of Branch Banking Group and Corporate & Retail Lending
Group) in select meetings which covers planning and execution of pioneering projects of the Bank (e.g. ATM Projects,
Remittance, Overseas Bills Payment, and linkages to affiliates).
Q4 2013 & Q1 2014 ranked 1st in deposit performance*
Q1 2014 ranked as 1st in Consumer Loans category performance*
Q2 2014 ranked 3rd in Deposit Liability performance*
One of the top performer and has highest grade during the 6-month intensive Branch Managers Training Program
Youngest Branch Manager at the age of 23
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OTHER ACCOMPLISHMENTS
Below are list of prior engagements where the applicant shown outstanding track record in the area of Sales Generation,
Personnel Management, Process Enhancement and Inter-department Coordination which significantly led him to receive
opportunities and reach the executive level at a young age:
March 5, 2012 to February 28, 2013
STREAM GLOBAL SERVICES INT’L, INC., Mandaluyong City
CUSTOMER SALES PROFESSIONAL / ASST. TEAM LEADER
November 25, 2011 to March 2, 2012
TAGBAC MULTIPURPOSE COOPERATIVE, Antipolo City
MARKETING OFFICER (With Concurrent Function in Audit)
September 22, 2009 up to November 20, 2011
TSPI DEVELOPMENT CORPORATION, Antipolo City
ACCOUNT OFFICER (Outstanding Employee, 100% RR)
May 8 to October 14, 2008
THE FRENCH BAKER, INC., Sta.Mesa, Manila
SERVICE CREW (Working Student)
EDUCATION BACKGROUND
June 2013
Short Diploma Course in Microfinance Operations (6-month course shorten for one month)
Conducted by Ateneo-SEDPI, sponsored by Bank of Makati during Branch Managers Training Program
ATENEO DE MANILA UNIVESITY
2012 – 2013
Master of Business Administration (MBA)
PHILIPPINE WOMEN’S UNIVERSITY - GRADUATE SCHOOL OF BUSINESS
2005 – 2009
Bachelor in Cooperatives (Major in Cooperative Education and Community Development)
POLYTECHNIC UNIVERSITY OF THE PHILIPPINES
PERSONAL INFORMATION
Date of Birth
Place of Birth
Nationality
: October 31, 1989
: Morong, Rizal
: Filipino
Religion
Civil Status
Gender
: Christian
: Married
: Male
CHARACTER REFERENCES
Ms. Gina L. Salud
Senior Vice President
Business Sector Head
Bank of Makati
Mobile No. (-
Dr. Herminia E. Manimtim
Executive Vice President
Concurrent VP for Student Affairs
Polytechnic University of the Phil.
Mobile No. (-
Mr. Reynante Banico
Director, Pacific Ace Savings Bank
Consultant, Bancnet
Former SVP, Metrobank
Mobile No. (-
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