Hazel Garcia Email and Phone Number

• Receives loan client documents, whether new applicants or old client from Loans Admin Assistant.• Review and analyze each documents submitted by the client.• Conducts interview with the client regarding on their loan application and personal information.• Assess and evaluate clients whether they are qualified on any loan program of the bank.• Assess client’s purpose of loan and sources of income.• Analyze client’s cash flows and financial statements. Give attentions on their sources of income and expenses.• Verify all the submitted documents.• Call employer and other references of the clients.• Conduct verifications on creditors in the clients existing loan obligations.• Upon completion of the credit recommendation report, fast track accounts to the Vice-President for the Renewals and New Loans.• Attend credit committee meetings every once a week to present accomplished credit recommendations report of the handled clients.• Assist clients (new or old) when there is no available marketing assistant.• Call nonpayment clients for the reminder of payments.• Responsible for assessing credit risk and viability of potential and existing corporate and commercial clients based on credit data and financial statements.

Responsible for planning, organizing, directing, coordinating, and controlling the activities of the Branch to attain the overall objectives and targets set by the Management.

• Daily posts all bank transactions in the general and subsidiary ledgers. Balances books such as Income Book, Expense Book and Loans Book. Prints the transaction journal summary (daily report) and statement of condition and submits them to superior for review.• Prepares various reports and responsible for its timely submission to the regulatory agencies such as Trial Balance , Statement of Condition/ Income and Expenses, Schedule/ Breakdown of Loan Portfolio, Report on Loans Granted, Accruals on Loans, Schedule of Fuel and Lubricants, List/ Aging of Accounts Receivable And Accounts Payable, Breakdown of other Expenses, Aging of Overdue Loan Accounts, Bank Reconciliation.• Computes loans payments, prepares the corresponding official receipts and posts said payment on the loan ledger.• Prepares all loan release documents (e.g. promissory note with disclosure statement, disbursement voucher, ledger, credit memo, insurance, application form, amortization schedule).• In charge of the renewal of the Branch’s Business permit.• Responsible for the monthly monitoring and amortization of prepaid expenses as well as the depreciation of FFE.• Prepares disbursement vouchers for payment of Branches expenses like DST/ WHT/ bills and responsible for its payment.

• Collect purchase orders and purchase requisitions in order to order materials, goods and supplies.• Send them to the suppliers.• Review inventories and order as required.• Interact with the suppliers on a day to day basis.• Review deliveries against the orders.• Track the status of any orders.• Ensure that any invoices are sent to accounts for payment.• Produce and maintain all reports.

• Receive payment by cash, check, credit cards or gift checks.• Issue receipts, refunds, credits, or change due to customers.• Count money in cash drawers at the beginning of shifts to ensure that amounts are correct and that there is adequate change.• Greet customers entering establishments.• Maintain clean and orderly checkout areas.• Calculate total payments received during a time period, and reconcile this with total sales. • Compute and record totals of transactions.• Sell tickets and other items to customers.• Keep periodic balance sheets of amounts and numbers of transactions.• Bag, box, wrap, or gift-wrap merchandise, and prepare packages for shipment.• Sort, count, and wrap currency and coins.• Process merchandise returns and exchanges.• Request information or assistance using paging systems.