Marlon Bautista

An individual with a dynamic, energetic, and positive outlook. Gained two years of working experience in logistics and warehouse operations. Spent more than ten years working in the BPO industry and 10 years in the Insurance/Financial Industry. Has solid communication and interpersonal skills; with proven hard work and leadership qualities. Has an honest work ethic with the ability to excel in a time-sensitive environment. 

• Process credit / loan application, collections, review, and approval of loan applications. Liaise issues on mutual client's loans and purchases with partner vendors. 

• Assist clients/vendors with credit-related concerns and account management. 

• Taking Inbound/Outbound calls and Email Support to provide general customer service. • Responsible for processing loan applications and facilitating the closing of loans by interacting with the clients via telephone or email by maintaining accurate and current information on all loan applications by auditing the applications. 

• • Responsible for underwriting commercial loans and preparing presentations. 

• • Takes decision on credit applications as one of the experienced underwriters. 

• • Utilizes provided software to score credit applications. 

• • Establishes rapport; maintains and grows important relationship within the portfolio. 

• • Performs annual reviews. 

• • Works with the credit administrator on policies and procedures 

• • Provides support for business developers on new customers. 

• • Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects. 

• • Assesses credit opportunities; identifies key risks, and structures alternatives working with relationship managers and credit officers. 

• • Responsible for preparing in-depth credit packages. 

• • Responsible for conducting research on borrowers and industries. 

• • Takes ownership of the credit process, making decisions in the best interest of the customer and organization 

• • Provides support to account officers on customer calls as needed. 

• • Responsible for measuring covenants put in place within loan agreements, with a clear understanding of the effect and purpose of those loan covenants and communicates the compliance of the borrowers to the relationship manager and chief credit officer as needed. 

• • Completes annual reviews, modifications, extensions, renewals, and new loan requests for customers with minimal required changes from the credit approvers. 

• • Analyzes more complex credits with assistance from senior department staff. 

• • Applies experience with comparable credits to recommend appropriate covenants, terms, and conditions, and structure for a credit request. 

• • Identifies policy exceptions within a credit request. 

• • Discusses risk ratings and the rationale for the determination of acceptable credits with the relationship managers (RM) and credit approvers.