Rose A.
Mid-Level Credit Analyst
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Rose Ann B. is an accomplished banking professional with over 8 years of dedicated experience in the credit analysis and loan processing domain. She excels in financial evaluation and risk assessment, proficiently assessing borrower creditworthiness, and ensuring all processes meet stringent regulatory standards. As a Junior Credit Analyst at Cebuana Lhuillier Rural Bank, Rose Ann meticulously reviews loan applications, performs due diligence, and delivers sound credit recommendations. Her role encompasses detailed financial and cash flow analysis, including bank statement reviews to ascertain repayment capacity. Previously, as a Loan Documentation Assistant, she managed loan documentation processes, ensuring their accuracy and compliance. Her tenure at Maplecrestgroup Inc further honed her skills in end-to-end loan processing, from initial document review and credit assessment to ongoing portfolio management. Rose Ann holds a Bachelor’s degree in Business Administration majoring in Marketing Management and has been recognized for her outstanding performance, evidenced by multiple awards including the Galing! Ka-Cebuana accolade.
Experience
Junior Credit Analyst
Cebuana Lhuillier Rural Bank · 2024 — PresentEvaluated loan applications, renewals, and accreditation requests by reviewing documentation to ensure compliance with credit and regulatory requirements. Conducted due diligence through credit investigations and data validation, analyzing findings to assess borrower credibility and identify potential risks.Loan Documentation Assistant III
Cebuana Lhuillier Rural Bank · 2022 — 2024Managed the loan documentation process, ensuring accuracy and compliance with bank policies and regulatory guidelines. Coordinated the submission of pending documents from business units and processed booking of approved loans while conducting post-booking controls.Credit Operations Assistant
Maplecrestgroup Inc · 2019 — 2021Handled the processing of renovation loan applications, including client interviews and preliminary credit assessments. Evaluated applications and performed credit checks to ensure borrower eligibility, while preparing loan documentation and managing past-due accounts.Credit Analyst
BPI Family Savings Bank · 2015 — 2019Conducted underwriting for Real Estate Mortgage loan applications, which included verifying employment, conducting credit investigations, and analyzing borrower repayment capacity. Developed credit assessments and recommendations based on thorough evaluations.Office Clerk
Staff Alliance · 2015 — 2015Provided administrative support by managing document filing, mail handling, and front-line communication. Maintained records and databases while monitoring office supply inventory to ensure smooth branch operations.Sales Verifier
Expercs Inc. · 2014 — 2014Supported administrative tasks such as document management and operational data tracking. Assisted branch operations by monitoring supplies and participating in ATM testing and reporting.
Skills & Expertise
Education
- Bachelor of Science in Business Administration major in Marketing ManagementNational College of Science & Technology (NCST) · 2010 — 2014