Anthony Jude Carpio Email and Phone Number

Wholesale Credit Corporate

1. Responsible for independent credit evaluation of loan proposals, credit requests (particularly for Top Corporates, Middle Markets, Business Banking, Trust (Counter-party limits), Financial Institutions and Global Market accounts) and product development by providing adequate identification/assessment of risk amidst complexity involved. 2. Review, evaluate, and provide added value comments/suggestions for accounts under Restructuring.Providing in-depth… Show more 1. Responsible for independent credit evaluation of loan proposals, credit requests (particularly for Top Corporates, Middle Markets, Business Banking, Trust (Counter-party limits), Financial Institutions and Global Market accounts) and product development by providing adequate identification/assessment of risk amidst complexity involved. 2. Review, evaluate, and provide added value comments/suggestions for accounts under Restructuring.Providing in-depth credit analysis and mitigation with the objective to satisfy Borrower's needs while protecting the Bank's asset quality. 3. Proposing and recommending appropriate loan packaging and pricing that maximize returns to the Bank and in accordance to risk profile of the Borrower. 4. Analyzes Borrower's Financial Statements.5. Responsible for the recommendation of credit proposals to enable decision-makers and top management to formulate well informed decision/judgement. 6. Conduct client calls, plant site visits for the evaluation of the proposed loan. 7. Interact with Relationship Managers and facilitate discussions to highlight, address and if needed, escalate business and credit issues. 8. Provide suggestions and inputs to Relationship Managers on the appropriate loan packaging and structuring based on the loan purpose presented. 9. Coaching and guiding the Credit Analyst (Junior Evaluators) on credit analysis and evaluation process in accordance and compliance to Maybank Group credit-related policies through knowledge sharing sessions within the team. 10. Review and provide added value comments on the papers evaluated by the Credit Analyst. Show less

1. Undertake independent review/assessment of business credit proposals for both Corporate and Retail accounts (SMEs, Salary and Mortgage Loans accreditation) and identify key risk issues and mitigants that is within policy guidelines.2. Analyzes Borrower's Financial Statements. 3. Provide endorsement for approval of proposals/requests and other recommendations necessary to approving authorities.4. Check the compliance level of Originating units with regards to the terms and… Show more 1. Undertake independent review/assessment of business credit proposals for both Corporate and Retail accounts (SMEs, Salary and Mortgage Loans accreditation) and identify key risk issues and mitigants that is within policy guidelines.2. Analyzes Borrower's Financial Statements. 3. Provide endorsement for approval of proposals/requests and other recommendations necessary to approving authorities.4. Check the compliance level of Originating units with regards to the terms and conditions of previously approved credit facilities during review/evaluation process.5. Review the Credit Risk Score done by Originating units.6. Interact with Relationship Managers and facilitate discussions to highlight, address, and if needed, escalate business and credit issues.7. Conduct client calls, plant/site visits to gather additional information/data for evaluation of the proposed loan.8. Facilitate and provide assistance on conducting periodic formal discussions with the Business Units to raise risk awareness and ensure alignment between risk and business objectives. Show less

1. Coordinates with Relationship Managers on proper loan packaging, prepares credit request/proposals and presents to Senior Management for endorsement and approval.2. Conduct client calls, plant/visits for the evaluation of the proposed loan.3. Processes loan proposals by gathering necessary information for credit evaluation.4. Prepares spreadsheets, credit rating, request for trade checking, appraisal and title verification.5. Analyzes Borrower's financial statements.6… Show more 1. Coordinates with Relationship Managers on proper loan packaging, prepares credit request/proposals and presents to Senior Management for endorsement and approval.2. Conduct client calls, plant/visits for the evaluation of the proposed loan.3. Processes loan proposals by gathering necessary information for credit evaluation.4. Prepares spreadsheets, credit rating, request for trade checking, appraisal and title verification.5. Analyzes Borrower's financial statements.6. Monitors loan maturity and credit line expiry. 7. Responsible for maintenance of credit folders/files. Show less

1. Responsible for management of loan accounts and quality of loan portfolio as well as attainment of assigned target for loans, revenues, collateral business and account profitability rate.2. Soliciting and on-boarding of new accounts, reviews and ensure proper documentation of credit facilities to assure compliance with the Bank's standards on legal issues and documentation.3. Conduct client calls, plant/site visits to gather necessary information/details while processing loan… Show more 1. Responsible for management of loan accounts and quality of loan portfolio as well as attainment of assigned target for loans, revenues, collateral business and account profitability rate.2. Soliciting and on-boarding of new accounts, reviews and ensure proper documentation of credit facilities to assure compliance with the Bank's standards on legal issues and documentation.3. Conduct client calls, plant/site visits to gather necessary information/details while processing loan proposals and establishment of credit lines.4. Analyzes Borrower's Financial Statements.5. Monitors loan maturity and credit line expiry. Responsible for maintenance of credit folders/files.6. Responsible for business development and markets the Bank's product and services to existing and new to Bank clients to gain new and additional compensating business to improve profitability and returns.7. Ensures accurate and timely preparation and presentation of credit proposals to Senior Management.8. Reviews and evaluates over-all performance to ensure assigned targets are attained.9. Monitors past-due levels and assure collections of past-due loans.10. Initiates foreclosure of past-due accounts which can no longer restructured in coordination with Legal Department and manages the consolidation and transfer of mortgaged property/ies to the Bank. 11. Supervises the Service/Marketing Assistant for on the Job-training and career advancement Show less

Took various modules of the Bank and completion of assigned projects.

Passed Proficiency Test for Job Levelling to qualify for Management Trainee.