Bryan C. Misa Email & Phone Number

Philippines

Corporate Credit

Advisor and Trainor for various government and private institutions for ISO (International Organization for Standardization) 9001:2015 – Quality Management System Certification.

Philippines

Multi-Asset Trader in global markets with advanced skills in Technical and Fundamental Analyses, Risk Management, and Portfolio Diversification.

Assigned with the Corporate Banking Group – Western Visayas area, based in Bacolod City.

Assigned with the Branch Banking Group – Bacolod City BranchPerforms the role of a Branch Manager. This role involves the establishment and development of new business relationships with prospective clients by identifying growth areas and expanding the business network.Grow the bank’s existing deposit, consumer and commercial loan base in terms of volume and number of customers; attain incremental targets set by the Bank’s Management.Responsible for conducting sales and marketing calls with new and existing clients of the bank and ensuring that their needs are serviced and excellent customer satisfaction is attained. Nurture relationships with existing clients and maintain a competitive advantage in the industry. Liaise with key officers and senior management of corporate and institutional accounts.Ensures that branch operations are properly executed by all branch personnel.Ensures that Bank targets are met in terms of deposit and loan volume, branch profitability, and delinquency level.Major accomplishments: 27% increase in total deposit volume and P2.0MM branch income contribution in 2016.

Assigned with the Bank’s Visayas Lending Department, SME Banking Group.Performed similar roles and functions of an Account Officer for Commercial and Consumer Loans.

Assigned with the Bank’s Loans Acceptance Unit, Credit Management Department, Consumer Lending Group.Performs thorough credit underwriting and evaluation of the bank’s clients for home mortgage, business mortgage, and auto loans. This includes the following major tasks: borrower’s profile analysis; income and financial analysis and computation of credit ratios; identification and assessment of deviations against the bank’s credit policies; justification of the account vs. the deviations; risk identification and mitigation; and final recommendation.Makes a credit decision in recommending/approving and declining/rejecting loan applications based on the underwriting, analysis, and evaluation process.Given a delegated approval authority, acts as a Class 2 level Approver (up to 5 Million Philippine Pesos) of Home, Auto, and Business Mortgage Loan applications that are endorsed or recommended by other Credit Officers of the Bank.Responsible in direct management and supervision of the Provincial Business Center Credit Team consisting of 2 officers (a Credit Officer for Auto/Home Loans and an Appraiser) and 3 R&F (Credit Investigators and New Accounts Processor); includes coaching team members and ensuring that the team maintains strong professional skills, delivers quality service, and attains targets set by Senior Management.Major accomplishments: Achieved 100% of target for Turnaround Time (2009 & 2010); achieved a Performance Appraisal Rating grade of 4.38% (5.0% being the highest) for 2010. Promoted to Manager 1 in February 2012.

Assigned with the Bank’s Commercial Banking Unit, Institutional Banking Group.Performed similar roles and functions of an Account Officer for Commercial and Corporate Loans.Major accomplishments: Managed a total approved loan amount of 800 Million Philippine Pesos and a total loan portfolio of 300 Million Philippine Pesos; Maintained zero percent loan delinquency level.

Responsible for conducting appraisal of real estate properties and chattel to be used as loan collateral for the Bank’s Commercial Banking Unit. Tasks: Plotting of lots based on technical description; pinpointing and verification of property; computation of floor area; market survey and research; appraisal using applicable land valuation methods.Responsible for conducting credit checking with other banks and financial institutions; background investigation and verification of personal data, residence and neighborhood; verification of cases with judicial courts; and trade reference checking.