len andrew liwanag

• Approved auto loans, personal loans and mortgage loan application within the confines of existing policies, procedures and within approved lending limits
• Review and evaluate financial statement, credit investigation reports, summary of exposure, collateral position and related documents for new loan application
• Resolved lending problems referred by staff
• Reviews pre-evaluated loan proposal and credit evaluation
• Attend to queries/follow ups regarding loan proposals and other credit matters with required turnaround time Actively participates in Service quality initiatives, process improvements and ensure that satisfactory ratings in such initiatives are attained

• Conducts final evaluation (Approval and rejection) of the underwriter’s proposal for denying for home modification program and give appropriate action.
• Responsible for the review of the Loss Mitigation workout, with focus on verifying the accuracy of the Negotiator or Underwriter’s review and analysis of our customers' financial ability and property information, to ensure the most suitable workout was arrived at and the terms of the workout are accurate
• Review and analyse documentation provided by the underwriter and validate accuracy and suitability of workout terms.
• Verify accuracy of system updates by the underwriter as well as required internal processes.
• Verify acceptability of documents as well as content per programs guidelines.
• Complete active file audit reviews, quality control reports, and post QA reviews functions as assigned
• Maintain up to date knowledge of current investor and bank owned guidelines around Loss Mitigation workout plans.
• Generate reports for internal purposes and do other task that may assign by Operation’s Manager.

• Conducts preliminary review thorough analysis of the financial statements of prospective and existing bank clients covering profitability, liquidity and cash flow, solvency and asset management.
• Establish through the assistance of credit investigation, the character, management quality, integrity and competence of the people behind the organization of bank and prospective bank clients.
• Determine the actual purpose of the credit facility being proposed via the following premises: A) to replace or support existing assets; B) to replace or support other creditors; and C) the bank leverage in case of legalese route.
• Identify macro-economic factors through valued inputs such as, political scenario business environment, industry traits, competitive behaviour and uncertainties caused by regulatory and trade changes. Gathers market data of specified industries to support the assessment and analysis process;
• Evaluate applicant’s eligibility for a credit card based on the results of verification and investigation conducted
• Assign card type and credit limit for qualified applications based on appropriate credit limit assignment guidelines
• Report fraudulent applications based on phone verification or ocular investigation results, for inclusion in fraud or watch list.
• Forward qualified applications for approval to credit officer. Prepare documents for committee approval for applications requiring such

Accepting cash deposit/withdrawal/ cash transaction. facilitating bills payment / cashering

Loans processing / underwriting process