I am a Credit Officer at Netbank, a Philippine-based neobank, with over 10 years of experience in credit evaluation, loan processing, and portfolio management. I specialize in streamlining credit operations, improving loan turnaround times, and using data-driven insights to enhance efficiency in lending. In addition to my banking career, I help small businesses and professionals with Excel-based solutions for tracking KPIs, managing inventories, and presenting data clearly and effectively. I’m passionate about combining finance expertise with practical tools to support business growth and smarter decision-making.