Raymund Togonon

RAYMUND VILLANUEVA TOGONON Home Address: 13 Omega St. Concepcion Village Concepcion Dos Marikina City, Philippines Birthdate: July 29,1961 Mobile Phone No. - Email Address:-- Seasoned corporate banker for the past 37 years with significant experience in corporate relationship management, credit risk and services management, business development and trade finance. Solid background in various financial credit facilities and products. Previously based in Saudi Arabia for 13 years handling credit risk analysis and review for top Saudi Arabian Banks. Prior local employment was with top 3 major local banks (BPI, CityTrust and East West Bank) totaling 24 years. Major contributions/accomplishments during my various employment are as follows: (1) introduced an account portfolio review process for Saudi Banks, (2) a pioneer team member in the establishment of the Relationship Management Group of East West Bank, (3) initiated the account relationship with the Mitsubishi car manufacturing and dealership group at CityTrust and created the FCDU section of BPI- Baclaran Branch. Professional Work Experience ================================================================== August 2010 – September 2020 Senior Credit Analyst/Officer Alinma Bank Credit Analysis Department, Corporate Banking Division (Central Region), Riyadh, Kingdom of Saudi Arabia ------------------------------------------------------------------------- Responsible for assisting the Relationship Managers of various marketing groups across all three (3) regions in the timely preparation and completion of well structured credit proposals for both new and existing account relationships, which includes full and short form credit application memos and presentations, special and one-off transactions, as well as the corresponding risk ratings, credit verification, market criteria assessments and profitability projections. Prepares comprehensive but direct to the point financial analysis and financial projections, highlighting material performance and all related key risk issues. Ensures timely submission of annual reviews of current facilities provided to corporate clients and coordinates with both Senior Relationship Managers/Team Leaders for updated information needed for the completion of the scheduled annual reviews. September 2007- May 2010 Credit Analyst Arab National Bank Corporate Banking Division (Eastern Region), Al-Khobar, Kingdom of Saudi Arabia -------------------------------------------------------------------------- Responsible for the timely preparation and completion of high-quality and comprehensive credit proposals for both existing and new relationships (in the Middle East Region, particularly within the Kingdom of Saudi Arabia), which include both full and short form credit proposals, special and one-off transaction memos, the related risk ratings, credit checking, market criteria assessments and profitability projections highlighting material performance and all related key risk issues. Ensures timely submission of annual reviews of current facilities provided to corporate clients and coordinates with Senior Relationship Managers/Team Leaders for updated information needed for the completion of the scheduled annual reviews. Provides assistance to Senior Relationship Managers/Team Leaders through the monitoring of account exceptions, financial covenants, security documentation, facility availments and compliance of related client documentation. Prepares and updates various Management Information (MI) reports and works closely with CBG-Regional Heads and Senior Relationship Managers/Team Leaders in ensuring the accuracy and timely preparation of said reports. Maintains regular contact with corporate clients and internal processing departments to ensure continued delivery of quality service in conformity with existing bank service standards. January 2007- August 2007 Assistant Vice President /Relationship Manager East West Banking Corporation Corporate Banking Division, Institutional Banking Group 21/F PBCOM Tower Ayala Avenue, Makati City, Philippines ------------------------------------------------------------------------- Re-assigned back to Corporate Banking Division as a Relationship Manager. A consistent goal achiever with proven success in business generation and development of account assignments and credit relationships among the Top 1000 and middle market corporate accounts. The position required close working relationships with finance managers, treasurers and other key decision makers of client entities, and assumed a financial advisory function. Equipped with thorough specialization in financial analysis, credit and risk management, trade finance and cash management. Principal accountabilities include (a) management of account relationship and (b) business development. Performed the following duties and responsibilities: a) Responsible for the profitable management of the Bank’s business relationships with assigned local and multinational accounts belonging to the country’s Top 1000 and middle market corporations. b) Promoted the full range of banking and financial services and products in support of various clients’ funding needs. c) Maintained an important role in resolving customer service issues with various clients and units within the Bank. September 2006 to Dec. 2006 Assistant Vice President / IBG Operations Head Institutional Banking Operations Division Institutional Banking Group -------------------------------------------------------------------------- Responsible for providing an effective and efficient operational support to the various Lending Units of the Institutional Banking Group in the areas of loan operations, foreign & domestic trade services, credit analysis/evaluation of corporate & commercial loan borrowers, credit investigation and property appraisal. Supervised the Credit Evaluation Department, responsible for a thorough credit analysis / review of corporate and commercial accounts of Institutional Banking Group prior to submission / deliberation by the credit approving bodies/committees. Assisted in loan remedial and collection of non-performing loans from select corporate and commercial accounts of Institutional Banking Group. Formulated strategies and viable options to effectively and efficiently support the various operational requirements of the Lending Units of the Institutional Bank Group. August 2004 to Dec. 2006Assistant Vice President / Credit Evaluation Department Institutional Banking Operations Division Institutional Banking Group ------------------------------------------------------------------------------ Managed and handled the department that assisted all Relationship Management / Lending Groups in the selection and development of business relationships with the Bank’s prospective and existing corporate loan accounts. Supervised and managed the independent credit evaluation of various corporate accounts across all market segments (i.e. corporate, commercial and branch credit) with the objective of improving the quality of the Bank’s loan portfolio. Responsible for establishing the Bank’s formal internal credit risk rating system for the underwriting and ongoing administration of all corporate, commercial and branch credit loan exposures. Formulated credit policies covering various activities in IBG (e.g. product policies, risk based interest rate pricing policy). Ensured that credit proposals are reviewed within the allowable and mutually agreed upon service agreement guidelines. May 2003 to July 2004 Senior Manager / Risk Management Department Risk Management & Credit Administration Institutional Banking Group ------------------------------------------------------------------------- Responsible for monitoring, assessment and management of the various risk factors (i.e. Market, Liquidity, and Credit Risks) affecting the various operations of the Bank and formulation, revision, and implementation of policies and procedures to mitigate subject risks and to ensure the creation of a risk awareness culture in the Bank specifically in the areas of credit, market and liquidity. Responsible for the improvement and maintenance of the Bank’s Risk Management System. Revised and updated the Bank’s Risk Management Manual which provided (a) clear understanding of the risk management infrastructure of the Bank from specific policies and procedures to designated duties and responsibilities covering various Bank units, management and personnel; (b) clear cut policies and procedures covering various risk areas - liquidity, market, credit and operations. Performed independent review of Treasury activities to ensure that all market and liquidity risks are clearly identified, adequately assessed/measured and risk limits are strictly observed by the risk-taking units. Conducted periodic credit review of the Bank’s corporate banking, middle market and retail/mortgage loan portfolio to determine compliance with existing internal policies, quality portfolio assessment, adequacy of loan loss reserves, and concentration of risks. Recommended enhancements in existing risk limits structure in accordance with the Bank’s risks tolerance. Recommended to Audit/Risk Committee measures to mitigate risks given the results of the group’s evaluation of the Bank’s open risk positions. July 1995-April 2003Senior Manager/ Relationship Manager Corporate Banking Division, Institutional Banking Group -------------------------------------------------------------------------- Managed and directly administered the Bank’s business relationship with assigned accounts, marketed the full range of banking and financial services to corporate and individual clients in response to their funding needs. Minimum expectation for the position was the profitable management of all account assignments. Responsibilities include (a) account solicitation, (b) marketing and promotion of bank services and products, (c) financial packaging and pricing, (d) customer profitability reviews, (e) proper maintenance / development / termination of account relationships Achievements were as follows: Directly solicited business relationships with 57 various corporate accounts operating in diverse industries, granted credit facilities totaling Php1.31Billion (US$32.82Million) with outstanding loan volume of Php892.5Million (US$22.3Million) for a total credit utilization rate of 76%. Established 45 cash management arrangements with various corporate accounts, generating total deposit placement volume of Php754.7Million (US$18.87Million) and total Average Daily Balance (ADB) of Php83Million (US$2.1Million). Team leader for the Remedial Management Task Force from January 1999 to December 2000 that recovered Php2.11.34Million (US$5.28Million) in past due loans, for a recovery rate of 67% that generated an additional income of Php57MM (SU$1.42Million) for the Bank. Participated in the formulation and preparation of credit policy guidelines. Assisted in the preparation of product manuals for corporate and commercial banking loan products and services. October 1992 - June 1995Assistant Manager / Relationship Manager CityTrust Banking Corporation (an affiliate of Citibank N.A., Manila) Corporate Banking Division, Institutional Banking GroupSen Gil Puyat Ave., Makati City, Philippines -------------------------------------------------------------------------- Performed the same duties and responsibilities as enumerated above. Managed and handled the Bank’s relationships with various Financial Institutions (i.e. Banks, Investment Houses, Stockbrokerages, Finance and Leasing companies). Achievements were as follows: Awarded the Circle of Distinction Award for Marketing – Account Profit Maximization (Single Account) Awarded the Circle of Distinction Award for Marketing – Individual Category April 1989 – Sept. 1992Administrative Assistant / Account Officer Bank of the Philippine Islands Commercial Banking Department, Branches Group BPI Head Office Building Ayala Avenue corner Paseo de Roxas, Makati City -------------------------------------------------------------------------- Responsible for the development and management of the Bank’s business relationships with middle market loan accounts whose principal place of businesses is located in the Metro Manila Area. Performed regular review/evaluation of credit proposals both for new and existing account relationships for approval by the Senior Lending Officer/Credit Committees/Board of Directors. Awarded BPI’s Loan Development Team Award May 1988 – March 1989Assistant Cashier Branch Banking Group -----------------------------------------------------------------------------Established and supervised the implementation of the Foreign Currency Depository Unit for assigned branch. Awarded Above Acceptable rating for assigned Branch August 1987 – Apr. 1988Management Trainee / Officership Training Program Training and Development Center Human Resources Development Division Corporate Services Group ----------------------------------------------------------------------------- Trained in all aspect of banking operations (i.e. Relationship Management, Credit and Risk, International Trade Finance, Loans, Branch Banking and Treasury). Graduated salutatorian in the 4th BPI Officership Training Program October 1986 – July 1987Methods Analyst Methods, Measurement and Analysis and Systems Design Department (MMASD) Institutional Banking Group ----------------------------------------------------------------------------- Member of the MMASD Team that developed and implemented the detailed systems analysis and design study of BPI’s International Trade Operations Division Ranked 1st among the Institutional Banking Group applicants for the 4th BPI – Officership Training Program in 1987 January 1985 – Sept. 1986Import / Export Trade Processor International Operations Division (IOD) Institutional Banking Group -------------------------------------------------------------------------- Processed both import and export transactions (i.e. LC Issuance/ Amendment, Export LC Advising, Import/Export Bill Negotiation, Trust Receipt Loan issuance, Bank Guarantee issuance, etc…) Ranked 1st among the Institutional Banking Group applicants for the 3rd BPI – Officership Training Program in 1986. First Place Awardee for the 1st BPI Quality Circle Presentation. January 1983 – Dec.1984Export /Remittance Processor Family Bank & Trust Company International Operations Department -------------------------------------------------------------------------- Training Programs & Seminars Attended Anti-Money Laundering Credit Risk Management and Analysis Financial Analysis and Review Risk Measurement & Capital Adequacy Course Relationship Management and Business Development Customer Service Management International Trade Finance Operations Management Effective Negotiation Skills Total Quality Program Loan Officers Development Program (Bank of the Philippine Islands) Officership Training Program (Bank of the Philippine Islands) Education ================================================================== 1977 – 1982Bachelor of Science – Industrial Engineering Faculty of Engineering University of Santo Tomas Espana, Manila ReferencesAvailable upon request ==================================================================