Joanne May Ramirez

505 Sampaguita St., Km. 5 Buhangin, Davao City Landline: - Cellphone:- E-mail:- Objective To excel professionally and be an exceptional asset to an organization or company Experience May 25, 2015 to present JRooz Review Center Branch Manager Joanne May S. Ramirez            Direct all operational aspects including distribution operations, customer service, human resources, administration and sales Assess area market conditions and identify current and prospective sales opportunities Develop forecasts, financial objectives and business plans Meet goals and metrics Manage budget and allocate funds appropriately Bring out the best of branch’s personnel by providing training, coaching, development and motivation Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs Address customer and employee satisfaction issues promptly Adhere to high ethical standards, and comply with all regulations/applicable laws Network to improve the presence and reputation of the branch and company and have constant communication with partners and clients. December 9, 2013 to December 2014 Sumisho Motor Finance Corporation Branch Head  Directs the overall activities of the branch to ensure the attainment of targets on booking and collection  Ensures efficiency of day to day operations of the branch  Maintains good relationship with dealer partners 2008- February 2013 UCPB-CIIF Finance & Development Corporation Area Head (Manager)  Southern Mindanao area assignment i.e. Surigao del Sur, Agusan del Sur, Compostela Valley, Davao Oriental, Davao del Norte, Davao City, Davao del Sur, North and South Cotabato and Saragani Provinces  Constantly meeting target releases which reached 91 million  Maintained the 100% collection in all amortizations i.e. no added past due from the time appointed as officer of the company by proper monitoring and assessment.  Reviews and endorses accreditation, credit line applications and project/program proposals.  Top performer area office all over the Philippines 2011  Market existing and new clients.  Assisted the Department Head in creating office forms and reports template.  Oversees the general implementation of credit and non-credit programs of the company by monitoring and evaluating the activities & performances of Area Staff, and coaches them on the required strategies necessary to ensure attainment of the area's target and objectives.  Plans and sets attainable objectives / targets of the area by soliciting inputs from the subordinates.  Designs and implements operational strategies necessary in attaining greater efficiency and effectiveness of the area in implementing credit and non-credit programs of the company  Recommends approval of the budget of the area office and assess to the prudent management of the resources of the Area Office.  Trains the staff and recommends trainings and/or seminars for the professional development of subordinates.  Prepares monthly accomplishment reports of the area for review of immediate superior.  Represents the company in regional / provincial / local inter-agency meetings. 1999 - 2008 UCPB-CIIF Finance & Development Corporation Community Development Specialist, Senior Loans Specialist          Constantly meeting targets given by the company Tasked to handle new and complicated projects. Headed the marketing team in launching new programs. Tasked to train new and existing employees in the areas of financial analysis, credit evaluation and the like. Reviewing the work of co-staff in terms of project proposals and loan release recommendation. Prepared project feasibility studies and financial forecasting Assist the Area Head in consolidating reports, target & budget preparation and loan forecasting Conduct periodic loan monitoring and assessment of its client for to attain 100% collection rate. Design, conduct and facilitate different trainings for clients and coemployees on Financial Management and Interpretation; Credit Collection and Delinquency Management; Organizational Diagnosis; Cash Flow Analysis; Business Plan Preparation;  Monitor and evaluate clients performance and operations - Shalom Friendship Global Network Mindanao Area Director  Conduct and design training for students and leaders  Plan and organize camps, tree plantings, children feeding, seminars and workshops  Monitor chapter¡¦s operations  Follow up reportorial documents and prepare monthly and yearly reports  Contact speakers/facilitators for various trainings and workshops. Education COLLEGE  Finished Bachelor of Science in Business Administration major in Banking and Finance at Ateneo de Davao University in year- HIGH SCHOOL  Attended first year to third year high school at University of Mindanao  Finished the secondary education at Sta. Ana National High School in year- ELEMENTARY  Finished the elementary education in Buhangin Elementary School in year- Skills Computer literate (Microsoft Word, Microsoft Excel, Microsoft Powerpoint, and Microsoft Publisher) Design invitations for weddings, birthdays and any occasions Events organizer (wedding, birthdays and others) Trainings Attended NATURE/TITLE Corporation Vision, Mission and Values Workshop CONDUCTED BY COCOFINANCE YEAR TAKEN 2006 Anti Money Laundering Act (AMLA) Orientation COCOFINANCE 2005 Coalition Management Training COIR 2003 Community Organizing Skills Training PBSP 2001 Gramr N Diz Ungramtikl X Davao Noontime Toastmasters 2001 Credit Analysis and the Credit Process ATENEO-BAP 2000 The Effective and Results-Oriented Supervisor Business Trainings and Consultancy COCOFINANCE 2008 Values Seminar and Customer Service Workshop COCOFINANCE June 2011 Accounting for Non-Accountant Credit Analysis Basic Management Skills AKTUS GLOBAL Pacific Management Forum COCOFINANCE February 18, 2012 June 6-7, 2012 June 8-9, 2012 "Living in a Value Oriented Environment” LIVE Seminar May 2011