RAMON N.
Senior Finance and Accounting Consultant
Open to offersNew to PlatformAbout
Ramon N. is an accomplished Finance and Accounting Professional with over 30 years of experience in banking, credit evaluation, loan portfolio management, and financial reporting. He holds a Bachelor of Science in Commerce (Accounting) and a Bachelor of Science in Business Administration (Economics), both with Cum Laude honors from the University of Nueva Caceres, alongside advanced coursework in law. His career includes serving as a Relationship Manager at BDO Unibank, where he managed a multi-million-peso loan portfolio, conducted credit evaluations, and ensured compliance with Bangko Sentral Ng Pilipinas regulations. Currently, Ramon provides freelance financial and administrative solutions, specializing in Microsoft Excel for financial modeling and QuickBooks Online for bookkeeping. He also aids small businesses in tax preparation and legal document facilitation for real estate transactions. Previously, Ramon worked with Metropolitan Bank and Trust Company as a Credit Investigator and with Union Bank of the Philippines managing accounting transactions. His core competencies include loan portfolio management, risk assessment, and regulatory compliance.
Experience
Freelance Finance & Administrative Professional
Independent / Self-Employed · 2023 — PresentDevelop customized Microsoft Excel spreadsheet tools and trackers to assist clients in monitoring business flow and supporting daily decision-making. Utilize core bookkeeping principles to manage financial record-keeping, account reconciliations, and remote administrative tasks. Prepare income tax returns, oversee business tax filings, and maintain documentation for audit readiness for individuals and small-business clients. Assist with administrative and legal documentation concerning land title transactions such as sales, donations, foreclosures, and title transfers with the Register of Deeds.Relationship Manager / Account Officer
BDO Unibank, Inc. · 2008 — 2023Oversaw a multi-million-peso loan portfolio across the credit lifecycle, engaging in credit evaluation, structuring, approval, implementation, monitoring, and renewal. Acted as the primary Relationship Manager for clients, employing strong verbal and written communication skills to deliver credit evaluations, negotiate terms, and convert complex financial analyses into strategic recommendations. Performed comprehensive analyses to assess borrowers' repayment capacity, operational performance, and overall creditworthiness. Identified potential credit deterioration through proactive risk assessments and ongoing portfolio monitoring, while ensuring compliance with internal bank policies and regulatory requirements set by the Bangko Sentral Ng Pilipinas (BSP).Credit Investigator / Appraiser
Metropolitan Bank and Trust Company · 1996 — 2008Executed field credit investigations and real estate property appraisals to evaluate creditworthiness and reduce lending risks. Created detailed credit investigation and appraisal reports for management review, ensuring accuracy and alignment with policies. Reviewed and verified financial, property, and legal documentation to detect potential credit deterioration and assess risks related to legal defects or title issues. Served as a quality-control checkpoint in the credit evaluation and approval process.Accounting & Distributing Clerk
Union Bank of the Philippines · 1992 — 1996Handled high-volume clearing and accounting transactions, focusing on accuracy and daily transaction balancing. Maintained audit-ready financial records in compliance with BSP reporting requirements.
Skills & Expertise
Education
- Bachelor of Science in Commerce – AccountingUNIVERSITY OF NUEVA CACERES
- Bachelor of Science in Business Administration – EconomicsUNIVERSITY OF NUEVA CACERES
- Bachelor of Laws – 4th Year CourseworkUNIVERSITY OF NUEVA CACERES
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