Belah Mae A. Villanueva
Unit 405 Railay Building, Royal Palm Residences
Acacia Estates, Taguig City- /--
Objective
A job where my knowledge in credit can be applied.
Education
Bachelor of Science in Commerce Major in Management – Entrepreneurship Focus
Assumption College, Makati
Skills/Abilities
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Fluent in Filipino and English language
Competent in time management
Computer literate
Work History
Maybank Philippines, Inc. (December 2018 - April 2020)
CUL Credit Officer
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Review and approves or reject credit card applications within the prescribed credit policies.
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Review and approves or reject existing credit card requests within the prescribed credit
policies.
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Recommend and initiate project to improve existing credit processes.
East West Bank (December 2016 - November 2018)
Customer On-Boarding Officer
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Conducts quality checking on policies, processes and procedures and recommends
appropriate actions to avoid, cure, and mitigate the identified risk.
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Proposes action plan to cure and prevent recurrence.
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Provides support to the different divisions in Customer Lending Cluster in compliance to
regulatory requirements of internal and external audits.
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Prepares monthly, quarterly and annual summary reports.
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Performs other tasks and duties as may, from time to time, be assigned by the Department
and Division Heads.
Standard Chartered Bank (October 2010 - November 2016)
Credit Initiation Officer
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Review and approves or reject credit card and personal loan applications within the
prescribed credit policies.
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Handles, acts on and resolves special customer/applicant requests, inquiries, problems or
issues forwarded/endorsed by other departments or as assigned by the Credit Initiation
Manager.
⚫
Ensures compliance with all internal policies and regulatory requirements.
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Ensures compliance with the Group’s standards and regulatory requirements pertaining to
Money Laundering and KYC.
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Ensures that fraud applications, source codes, channels are documented and endorsed to
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Fraud Control Unit.
Recommends policies and procedures to improve existing processes in the unit or the
department.
Cross-trains to other processes when possible.
Prepares productivity and other reports, as required, and forwards them to the Credit Initiation
Head.
Standard Chartered Bank (March 2009 - October 2010)
Collection Officer
⚫
Responsible in handling very high-risk segments of the CCPL delinquent portfolio to minimize
bad debts losses while maintaining customer goodwill.
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Responsible for outright approval of settlement offers, waivers and payment arrangements
within assigned delegated authority.
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Controls portfolio delinquency and reduce propagation charged-off meeting collection targets
in terms of individual productivity curing and flow rates.
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Leads, manages, directs and trains Customer Assistance Representatives in the absence of
the in-house team leaders, and when they are assigned to manage as assistant team leaders
as the requirement arises.
⚫
Provides support in the training of Customer Assistance Representatives to the Training
Manager in various training programs that will be assigned to them.
China Banking Corporation (October 2006 - February 2009)
Marketing Assistant 1 - Consumer Banking Group
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Promote Chinabank’s Housing Loan products and services.
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Assist the Account Officer/Supervisor in interviewing loan applicants and evaluating
prospective loan clients.
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Gather, verify, analyze and process data, information and/or documents from the client and
other sources regarding the account being evaluate and process.
American Express (May 2006 - September 2006)
Account Associate - Direct Sales Channel
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Responsible for collecting prospect and acquiring new card accounts for the Peso Platinum
Credit Card.
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Develop and maintain an active prospect database.
Training
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Consumer Credit Course
Personal Data
Date of Birth: June 9, 1985
Nationality: Philippines
Gender: Female
Marital Status: Married
