Hermenegildo Cruz

RESUME Personal Information: First Name : Hermenegildo Last name : Cruz Address : 1 Dayang-dayang Drive Maharlika Hills Subdivision City Province : Manila : Rizal Bo. Dolores, Taytay Email Address : Zip/Postal : 1920 - Country : Philippines - Telephone (Res.) : Mobile Number : - Birth Date : 13 April 1967 Marital Status Skype :- - : Married Work Experience: 1. Company : Land Bank of the Philippines Titles : Cash Clerk Accounts Management Analyst Accounts Management Specialist Telephone : - - City/Town : From Malate, Manila 1004 : March 1992 Country : To Philippines : December 1999 Responsibilities: March 1997 – December 15, 1999 Account Management Specialist, Auto Finance Department, Land Bank of the Philippines Market Land Bank’s Auto Loan Packages, coordinate with Metro Manila Auto Dealers (e.g. proposed promo packages of dealers, status and requirements of auto loan applications generated by dealers for Land Bank), recommends viable accounts for loan approval and in some cases justifies recommendations that don't comply with Land Bank’s qualifications/guidelines. Conduct client calls, on-site visits, credit and background investigations for applications in need of immediate approval, compute the effective yield in some transactions needing deviations from the approved set of rates of Land Bank, prepares credit advice for approved car loans, builds rapport to existing auto loan clients. October 1993 – February 1997 Account Management Analyst II, Account Management Department I, Land Bank of the Philippines Assist in the preparation of Credit Facilities Proposals, services credit transactions and coordinate with other departments/banks as needed (e.g. legal documentation, appraisal, etc.). Assist in marketing (top 500 corporations), accounts monitoring and supervision, monitors maturities of outstanding loans, insurance policies, and remind clients of payments and renewals, conduct plant visits and drafts call reports, maintains proper filing and administration of credit folders and related documents. Prepares Revenues and Expense Summaries, memorandum/correspondences. March 1992 – October 1993 Cash Clerk III, ATM Center, Land Bank of the Philippines 2. Company : Giancor Properties, Inc. Title : Accounts Manager City/Town : Quezon City Country : Philippines From To : January 2000 : May 2000 Responsibility: Market various properties (commercial and residential). Make proposals (personal and thru mail) to potential buyers and lessee. Conduct client calls and on-site visits with potential buyers and lessee. Make computations for the monthly amortization of clients. Assist in the completion of documents and monitors payments made by clients, coordinate to clients the extent of completion of their unit/s. Builds rapport with existing and would be clients. 3. Company : First Eurasian Management Co., Inc. Telephone : - - From : April 2001 Title : Research Analyst/Marketing Officer City/Town : Pasig City Country To : Philippines : June 2003 Responsibility: Conceptualize viability of Business Plans and establish profitability of joint venture proposals. Consummate duties, functions and other responsibilities with other departments, companies, government institutions (as needed), and thru the use of other source of research such as the internet, journals etc. Maintains proper filing and administration of research folders and related documents. Prepares memorandum and correspondences. 4. Company : Agrikultura Pilipina Inc. Title Telephone : - : Market Development Officer City/Town : Quezon City - From : December 2003 Country : Philippines To : August 2004 Responsibility: Market anthurium cut-flower varieties of Agrikultura Pilipina Inc. Formulate marketing plans and strategies. Make proposals to potential distributors. Coordinate and conduct client calls and visits to potential buyers (institutional and distributors). Accounts supervision and monitoring as well as reminding clients for payments. Compute the effective pricing for some clients needing deviations from the approved set of rates of Agrikultura Pilipina Inc. Drafts call reports memorandum/correspondences and build rapport with existing and would be clients. Reports directly to the Operations Head 5. Company Title : Sales Consultant City/Town : Pasig City Country : Philippines From To : June 2005 : Chemoil Industrial Corporation Venture Commercial and Industrial Corp. : May 2005 Responsibility: Market petroleum and steel products of Chemoil and Venture Commercial respectively. Make proposals to potential buyers and clients, coordinate and conduct client calls and visits to potential buyers and clients. Accounts supervision and monitoring as well as reminding clients for payments. Builds rapport with existing and would be clients. 6. Company : NCO Group – Quezon City From : March 2007 Title : Collection Agent (GE Moneybank) Country : Philippines To : April 2007 Responsibility: Use Microsoft Programs and NCO’s specific computer systems and databases to review accounts and update data with accurate information. Process administrative and accounting functions accurately and in a timely manner. Make pertinent and clear notations on the accounts. Adhere to guidelines to customize customer’s account resulting to collection and to bring the account current. Record actions taken on each account by typing clear, concise comments into the computer. When circumstances indicate, communicate with appropriate offices for follow up. Maintain strict confidentiality of customer account information. Keep abreast of client developments affecting customer service by reading daily updates. 6. Company : ICT Group - Mandaluyong-Shaw Title Telephone : - City/Town : From : May 2007 : Collection Agent (Semperian) Mandaluyong City Country : Philippines To : September 2007 Responsibility: Use Microsoft Programs and ICT’s specific computer systems and databases to review accounts and update data with accurate information. Process administrative and accounting functions accurately and in a timely manner. Make pertinent and clear notations on the accounts. Adhere to guidelines to customize customer’s account resulting to collection and to bring the account current. Obtain and verify information by phone, using professional and courteous phone techniques. Record actions taken on each account by typing clear, concise comments into the computer. When circumstances indicate, communicate with appropriate offices for follow up. Maintain strict confidentiality of customer account information. Keep abreast of client developments affecting customer service by reading daily updates. Other duties may be assigned to meet business needs. Did various home base jobs after my stint with ICT such as marketing of payday loans, skip-tracing, qualifying investors and lead generation, appointment setting, customer qualifying, dealing with debt distressed Individuals, as researcher and buyer/coordinator specializing in the recovery of uncollectible judgments. 6. Company : Simbayanan ni Maria Multi-Purpose Cooperative Title : Officer-In-Charge, Collection Department (February to May 2012) Title : Manager, Remedial Management and Special Project Department (May 2012 to November 2014) Telephone : -;-;- City/Town : Taguig City From : February 2012 To : November 2014 Responsibility: As Officer-in-charge of Collection Department Overall administrative and management function involving collection. Supervision and mentoring of collection manpower complement. Monitoring of accounts. Direct communication with borrowers. Make pertinent and clear notations on the accounts. Make recommendations/proposals to upgrade and to better equip the Collection department in its collection effort. Obtain and verify information by phone, using professional and courteous phone techniques. Record actions taken on each account thru clear, concise comments into computer records. When circumstances indicate, communicate with appropriate offices for follow up. Maintain strict confidentiality of customer account information. Keep abreast of client developments affecting collection. Other duties may be assigned to meet business needs. As Remedial Management and Special Project Head Overall administrative and management function involving remedial management. Conceptualization and composition of Internal Guidelines and Procedures for loan products and other management related procedures. Review of loan folders of delinquent borrowers especially those falling under overdue status. Direct communication with delinquent borrowers and field work involving visits to mortgaged properties under foreclosure. Remedial application and monitor accounts deemed workable. Endorsement of account to the Board of Directors (for case filing). Monitoring of accounts (under litigation) with company lawyer. Adhere to guidelines to customize customer’s account resulting to collection and to bring the account current or to recover security from financial exposure on the account. When circumstances indicate, communicate with appropriate offices for follow up. Maintain strict confidentiality of customer account information. Keep abreast of client developments affecting collection. Other duties and projects may be assigned to meet business needs. 7. Company : Pag-asa Steel Works, Inc. Title : Credit and Collection Head Telephone : - up to 99 loc. 2403 (Human Resources Department) City/Town : Pasig City From : November 2014 To : April 2015 Responsibility: As Head of Credit and Collection Job Summary 1. Authorize credit charges and adjustments to customer’s accounts. 2. For existing and new accounts credit application, conduct trade investigations to further determine the creditworthiness of credit applicants. 3. Prepare Statement of Accounts. 4. Recommends credit applications for Credit Committee approval, and in case of credit disapproval, will notify credit applicant of failure in meeting company’s credit standards. 5. Review and adjust credit lines on a regular basis, when requested for existing accounts or as needed. 6. Based on approved guidelines or as instructed, with regards to the financial strength of an account, will recommend revocation of existing lines of credit. 7. Implements the company’s credit policy, therefore responsible for evaluating credit investigations and collections from delinquent accounts and communicate all credit related issues to senior management. 8. Improve the activities/productivity of the credit and collection unit for the company. SPECIFIC RESPONSIBILITIES 1. Review and update customer’s information. 2. Create a credit risk management environment of an acceptable quality, in terms of established credit guidelines. 3. Assist in developing sound, acceptable credit policies. 4. Analyze delinquent accounts and prepare reports on highest risk accounts including recommendations for resolution. 5. Interact with customers to obtain additional credit information to support credit lines. 6. Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents. 7. With supporting documents for accounts requiring credit lines, submit requests to senior management. 8. Maintains bad debt monitoring and recovery records. 9. Monitors receivables and collections, provide updates on receivables to management. 10. Identify problematic and very problematic accounts. 11. Negotiate payment programs/scheme with delinquent customers. 12. Identify accounts requiring legal action. 13. Coordinate with company’s legal counsel. 14. Secures and prepare all necessary documents to be used in court litigation. 15. Coordinates with court personnel for case status. 16. Monitors violations of credit policies, provide recommendations based on records to senior management and suggest actions to be taken when appropriate. 17. Develop processes and procedures for evaluating customer’s financials to set and change credit lines/limits, as well as credit holds; implement lines as necessary to major delinquent accounts as approved 18. Generate legal documents used in the credit function Education: 1. Insitution : National College Degree of Business and Arts City/Town : Quezon City From : June 1984 Major : Economics : Bachelor of Science in BusinessAdministration Country : To Philippines : October 1990 2. Insitution : Rizal High School City/Town : From Degree Country : Pasig City : June 1980 To : Secondary Philippines : March 1984 Training Courses and Seminars: May 2014 : ISO 9001:2008 (Test passer for Audit function) Audit of a Quality Management System Training Conducted by Rosehall Management Consultants, Inc. February 2014 : Management Orientation and Setting of Quality Policy and Objectives Conducted by Rosehall Management Consultants, Inc October 2013 : Basic Cooperative Course Conducted by the Union of Metro Manila Cooperatives September 2012 : Marketing 101 Conducted by Simbayanan ni Maria Multi-Purpose Cooperative August 2012 : Basic Leadership Training Conducted by Simbayanan ni Maria Multi-Purpose Cooperative March 2012 : Credit Seminar Conducted by Simbayanan ni Maria Multi-Purpose Cooperative February 2012 : Collection Seminar Conducted by Simbayanan ni Maria Multi-Purpose Cooperative February 2012 : Delivering Total Quality Banking Service Conducted by Training Strategies, Inc. November 2005 : Communication Training for Call Center Conducted by the Manila Business College July 2003 : Beekeeping Course Conducted by the University of the Philippines Los Baños, Laguna April 23, 2002 : 2002 ESRI GIS User Conference Conducted by Geodata Systems Technologies, Inc. March 11 – 15, 2002 : Project Study Preparation Conducted by the University of Asia and the Pacific July 20, 1996 : Seminar on Consumer Banking: Focus on Retail Lending Conducted by Land Bank of the Philippines March 25, 1995 : Lecture on Derivatives Conducted by Metropolitan Bank & Trust Co. April 24, 1993 : Seminar on Bonds Records as Tax Payment Conducted by Land Bank of the Philippines October 6 – 8, 1992 : Seminar on Bank Fraud and Forgery Detection Conducted by Land Bank of the Philippines Affiliations: August 2003 – 2010 : Beekeepers Network Foundation of the Philippines, Inc. 1999 – 2003 : Philippine Canine Club, Inc. References: Atty. Benedicto Villar (Corporate Lawyer) – Mobile Number- Atty. Jose Arturo R. Natividad (Former Judge, Corporate Lawyer) – Mobile Number- Jesus San Pascual (CPA, Auditor) – Mobile Number- HERMENEGILDO BARRIOS CRUZ