1. ANDY R. CATE
Address: Breezy Mansions 15 Sandilands Road,#03-02 Singapore 546079
Conatct No.: +65-86852016
Email Add.: andycate@ymail.com
OBJECTIVE:
Interested in working to your company and open to opportunities for personal growth and professional
advancement and for through company programs and benefits.
Career Summary:
 A self-managed and result-oriented with more than 3 years progressive experience and responsibility in
banking environment
 Specialization in credit management and with extensive knowledge of loan and related services
 Able to adjust quickly in a stressful situation, energetic and always has presence of mind.
 Strategic individual with strong interpersonal, communication, problem solving and decision making skills
 Has comprehensive knowledge of computer systems to develop alternative ways to accomplish
 Skilled at developing and executing targeted business initiatives that drive customer growth, achieve sales
objectives, and enhance bottom-line profits.
 Visionary professional with a keen understanding of business priorities and demonstrated expertise in rapidly
advancing business goals to revenue-producing activities
 Adaptable to diverse group of people
 Able to work in a team as well as independently
 English proficient in verbal and written communication
Professional Experience:
Philippine Savings Bank- Makati City, Philippines
Credit Verifier/ Investigator
August 2012 up to present
 Systematically and accurate conduct credit investigation and evaluation of application.
 Verifying customer data to detect and identify financial fraud.
 Conducting residence verification thru neighborhood and village checking.
 Conducting business and employment verification.
 Assures that credit investigation/evaluation report is properly and completely filled out.
 Make sure to formulate an accurate credit decision.
 Prepare and submit credit investigation/evaluation report to Credit administration department after decision is
made and complete all required requirement within the given turn-around time and gives recommendation based
on the standards set by the company.
 Putting into effect new procedures and policies passed down from Head office.
 Handling customer queries face to face, over the phone or via correspondence.
 Maintain confidentiality of consumer credit related information
Selected Accomplishments: With a proven record of contributing to the profitability of the institution by generating
revenue growth were I was graded with High Met Expectation yearly from 2013 to 2015 and having Perfect
Attendance from September 2014 to September 2015.
Philippine Savings Bank- Makati City, Philippines
Credit Adminstration Assistant
Jan 2012 to June 2012
 Presenting information clearly to customers, work colleagues and third parties.
 Entered required application information into departmental database.
 Interacted with internal and external customers in filling the loan application request forms

2.  Assist customers in all their queries and seek solution to their requests
 File and maintain records of all credit requests
 Maintain relationship with corporate customers and individuals for any query
 Coordinate with on-field sales team in providing necessary information
 Prepare monthly and daily financial statements for analysis
 Interdepartmental communication for loan approval, scrutiny of documents, liability statement, re-payment, and
other transactions
 Assist Credit Manager in day to day activities
 Assist the Credit Manager in collecting and assimilating the information about competitors and market trend.
 Register of collateral (mortgage) in accordance of regulatory and bank’s policy
 Safely keeping of legal documents under control system and monitor expiry date of collateral/guarantee
 Review relevant reports and provide adequate documentation for report preparation
 Maintained office supply inventories of credit group
Abenson Group of Company- Legazpi City, Philippines
Retail Sales Coordinator
July 2011 to October 2011
 Provided customer sale service in a retail outlet that sees hundred customers daily.
 Handled general inquiries about home and appliances, gadgets and demonstration request of products.
 Inventory checking of gadgets and cellphone accessories.
 Reaching sales quota every month set by company.
 Able to gain the trust of customers by interacting with people from all backgrounds.
Ateneo de Naga Textbook Center
Student Assistant
June 2007 – March 2011
 working 3 hours daily while studying in Ateneo de Naga University
 Selling of educational books to Atenean
 Filing of receipts and providing sales report daily
Skills and Qualifications:
Banking Competencies:
 Thorough understanding of banking procedures.
 Knowledge of foreign currency.
 Developing processes that reduce the time taken in processing credit/loan applications.
 Profit & Loss management.
 Corporate accounting.
 Strategic planning.
 Presentation and sales skills.
 Knowledge of fund management.
 Credit/Loan consultation.
 Comprehensive understanding of industry and regulatory laws and regulations.
 Risk management and evaluation.
 Debt management.
 Good knowledge of finance and accounting.
 Tax planning and compliance.
Key Competencies and Skills
 Customer satisfaction
 Financial reporting
 Tax reporting
 Business processes
 Data processing
 Solution implementation
 Portfolio management
 Private banking
 Commercial banking

3.  Report writing
 Decision making
 Math skills
 Business administration
 Asset and liability management
 Online banking
Affiliations:
Junior Philippine Institute of Accountants
Member
Ateneo de Naga University
2007 – 2011
Scholars Organization
Member
Ateneo de Naga University, Naga City
2007 – 2011
Youth for Christ
Member
Pamplona, Camarines Sur
2007 up to present
Seminars and Trainings attended:
 Credit Verification Program
Philippine Savings Bank
Sept 14, 2013
Makati City Philippines
 Auto Loan Seminar
Philippine Savings Bank
Sept 11, 2012
Makati City Philippines
 Product Knowledge Orientation
Philippine Savings Bank
Sept 3, 2012
Makati City Philippines
 Personal Loan Seminar
Philippine Savings Bank
Sept 3, 2012
Makati City Philippines
 Small Medium Enterprises Seminar
Philippine Savings Bank
Aug 31, 2012
Makati City Philippines
 Mortgage Banking Seminar
Philippine Savings Bank
Aug 31, 2012
Makati City Philippines
 Bank Emergency & Security Awareness Seminar
Philippine Savings Bank
Aug 30, 2012
Makati City Philippines
 Business Continuity Plan Seminar
Philippine Savings Bank
Aug 28, 2012
Makati City Philippines
 Basic Risk Awareness Seminar
Philippine Savings Bank

4. Aug 28, 2012
Makati City Philippines
 Information Security Management Seminar
Philippine Savings Bank
Aug 24, 2012
Makati City Philippines
 Service Quality Management Workshop
Philippine Savings Bank
Aug 24, 2012
Makati City Philippines
 Personality Enhancement Program
Philippine Savings Bank
Aug 24, 2012
Makati City Philippines
 Personal Effectiveness & Values Integration Workshop
Philippine Savings Bank
Aug 23, 2012
Makati City Philippines
Educational Attainment:
2007-2011
Ateneo de Naga University – Dean’s Lister
Bachelor of Science in Business Administration Major in Financial Accounting
Naga City, Philippines
2003 – 2007
San Gabriel – San Isidro High School - Class Salutatorian
Pamplona, Camarines Sur, Philippines
References are available upon request