Eddine Ray Gomez

EDDINE RAY G. GOMEZ Sales, Marketing & Banking Professional | Loan Operations | Account Management | Bookkeeper Location: Philippines PROFESSIONAL SUMMARY Results-driven banking and finance professional with over 8 years of experience in sales, loan origination, account management, collections, and credit evaluation. Proven ability to manage healthy loan portfolios, meet aggressive targets, reduce non-performing loans, and ensure strict compliance with banking policies. Strong analytical, customer relationship, and financial management skills. CORE SKILLS • • • • • • • • • • Loan Origination & Credit Evaluation Account & Portfolio Management Collections & Delinquency Control Cash Flow Analysis General Ledger & Bookkeeping Risk Management Customer Relationship Management MS Excel, Word, Google Sheets Financial Reporting Repayment Plan Structuring PROFESSIONAL EXPERIENCE Senior Account Associate – Wealth Development Bank | May 2021 – Dec 2024 • • • • • • • • Originated and managed consumer and real estate loans through developers, brokers, car dealers, and government institutions. Consistently maintained portfolio past-due rate within the 2% approved limit. Achieved weekly KPIs for client calls, field visits, and loan bookings. Prepared and verified loan documentation ensuring accuracy and compliance. Conducted credit pre-screening in coordination with Credit Investigation Unit. Analyzed account profitability, wallet size, and portfolio performance. Performed collection activities for accounts 1–90 days past due following standard procedures. Provided management with early warning signals on credit deterioration and recovery strategies. Consumer Loan Account Officer – Enterprise Bank Inc. | Apr 2017 – May 2021 • • • • • Achieved 100% of loan disbursement and portfolio targets. Ensured full compliance with credit initiation, verification, and documentation procedures. Maintained past-due rate within approved limits through proactive account monitoring. Handled customer inquiries and resolved complaints efficiently. Prepared and submitted complete and timely operational reports. Concurrent Billing Coordinator – Enterprise Bank Inc. | Aug 2018 – May 2019 • • • • Coordinated payroll loan billing with DepEd RPSU and branch offices. Consolidated and validated billing statements and supporting loan documents. Managed timely submission and collection of payroll deductions and remittances. Prepared undeducted and variance reports with recommendations for resolution. Remedial Specialist – Microfinance & Consumer Loans | Jun 2016 – Apr 2017 • • • • Conducted borrower assessments and collection strategies. Reduced non-performing loans by 5% monthly. Achieved 100% cash collection targets. Handled loan restructuring, amnesty documentation, and legal case monitoring. EDUCATION Master in Business Administration (Ongoing) – Business Management / Human Resource Management Father Saturnino Urios University, Butuan City Bachelor of Science in Business Administration – Financial Management Bukidnon State University, Malaybalay City CERTIFICATIONS • • • Bookkeeping NC III Events Management Service NC III Intuit Bookkeeping Certification