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JOAN M. CERA
Rm. 401, Bldg. 33, Al Baraha Deira, Dubai
freespiritashly@yahoo.com
+971-55-763-9028
Objective: To maximize full potential and be a stable partner to the organization’s continued success and development towards the realization of its vision and
mission
EDUCATION:
Bachelor of Arts in Social Science – April 2007
University of the Philippines Baguio – Governor Pack Road, Baguio City, Philippines
Majors: Economics and Political Science
STUDY/RESEARCH DONE/PUBLISHED:
• Competitive Market Analysis of San Miguel Foods Inc.’s top competitor --- A research presented by the Sales and
Information Management team to San Miguel – Pure Foods President
• “The Role of Ethnicity on Vote Choice of Local Officials in Baguio City” --- A Bachelor’s Thesis
PROFESSIONAL EXPERIENCE:
AUJAN COCA-COLA BEVERAGES COMPANY
Business Bay, Dubai, UAE
March 27, 2016 - present
POSITION: COMMERCIAL ANALYST (Total GULF)
• Data gathering, analysis and interpretation
 Provides data and analysis support for the annual business planning process in order to ensure the accuracy of data and
results.
 Prepares presentations with analysis on – Business Review, Sales Review, Customer Review, Brands Review, Budgeting,
Optimization etc.
 Collects and consolidates the information from the region to incorporate into monthly, quarterly and annual reports.
 Tracks daily and periodic reports - Daily sales / product on focus / Supply update / Accounts receivables.
• Providing information and analysis
 Conducts market analysis for all key markets and update annually in order to develop a trend in market movements.
 Channels opportunity mapping by category, brand, pack and occasions in order to simplify data coding.
• Budgeting and Forecasting
 Participates in budgets development process for the Business Unit, which includes – Volumes with value matrix,
Manpower, Operations, CAPEX, Analyzes related impact of budgetary decisions.
 Collaborates with Country Managers in setting monthly sales forecasts.
 Prepares the monthly forecast and highlight the divergence from original set budgets / targets.
 Analyses the forecast versus supply in order to bridge the gaps between the two entities.
• Tracking and communicating execution of KPIs
 Tracks channel execution plans in order to monitor such progress and make the necessary recommendations to the
Manager if behind schedule.
 Provides timely feedback to the Business Unit and highlighting variances related to execution in order to provide actual
information to stakeholders.
• Supply Review
 Tracks the supply status and record the findings.
 Determines the lost opportunity due to severe OOS situations.
 Studies the cons and pros of the review to pre-empt the Obstacles.
 Analyses discrepancies in performance of deliveries and propose necessary solutions to improve the process.
• Coordinate with internal stakeholders
 Works in collaboration with all internal stakeholders to provide good information to the BUs and other senior managers
of the company.
 Identifies new value added business opportunities using innovative concepts which can be converted into revenue
generating opportunities in line with Business objectives.
• Reports
 Generates regular and special reports for the line manager that summarize and forecast business activities and financial
position of the products and escalate critical issues to provide effective recommendations in meeting the key challenges.
• Top Customer Update
 Analyses Top customers sales trend and profitability
 Evaluates Accounts receivable against the sales trends
 Identifies the potential risks on CPC by offering trade deals / display funds.
 Diagnoses the low performance of sales with regard to customer output.
 Provides necessary support to the Key Accounts team in finalizing the customer wise budgets.
• Competition Update
 Provides the Management with timely feedback on the competitor activities in the trade (Pricing, Deals, Promotions,
New entry)
 Conducts market research & gather competitor information from the field force.
GULF CATERING COMPANY
Takhassusi St., Riyadh, KSA
January 17, 2014 – January 31, 2016
POSITION: FORECASTER/DEMAND PLANNER and SALES ANALYST
FORECASTER/DEMAND PLANNER
• Leads forecasts and inventory planning meetings with the CEO, Project Manager, Sales Manager, and Purchasing and Warehouse
Managers reviewing recommended sales forecasts and inventory goals (emphasis on brand transitions, new product introduction,
and promotions).
• Proactively facilitating, re-engineering, best practices & consensus between functional experts (Demand Planning, Inventory
Planning, Purchasing, Sales & Marketing, Operations, Finance, and IT).
• Conducts quantitative analysis including but not limited to trending, identification and assessment of opportunity and risk,
forecasting, regressions, correlation, cannibalization and probability modeling
• Assembles and analyzes all data pertinent to creating the sales forecast (historical sales, market trends, seasonality, and inventory
levels).
• Establishes and utilizes best methods (statistical models and software tools) in creating forecasts and respective inventory targets
and relating and measuring the impact of forecast accuracy.
• Makes recommended adjustments to forecast and inventory targets based on changes in demand and market trends.
• Prepares, reports, and communicates forecast and inventory measurements to management (forecast accuracy, inventory plan vs.
targets).
• Manages inventory targets (including safety stock levels) that are approved by management.
• Monitors SKU levels and recommend SKU rationalization initiatives in the future.
• Responsible for the collection, analysis, and reporting of sales related data in an on-going effort to increase overall sales
productivity.
• Strategic Planning
• Target Setting
SALES ANALYST
• Works with the Finance Team in the preparation of Cost-Volume-Profit (CVP) and Menu Engineering Analyses in analyzing line of
business operations to determine profitability and to establish a baseline for action and operational changes.
• Collects sales records & trends and evaluate performance measured against sales quotas while taking into consideration current
economic conditions. The development and tracking of key performance indicators will be critical to enhance the understanding of
the business and to improve decision-making.
• Assists management in developing and reviewing the sales budget and rolling sales forecast including sales to budget variance
analysis
• Guides sales people (Project Manager, Sales Manager and Forecaster) and Purchasing in entering an accurate forecast by identifying
specific products and customers to focus on to through sales performance.
UNIVERSAL ROBINA CORPORATION
Litton Mills Comp., Rosario, Pasig City, Philippines
Jun 16, 2010 – April 15, 2011
POSITION: ASSOCIATE MANAGER – OIC/ SALES INFORMATION AND PLANNING ASSOCIATE
ASSOCIATE MANAGER – OIC (Dec 2010- April 15, 2011)
• Provides vital and direct support to department head in decision-making and action-planning processes through consolidation and
analysis of qualitative and quantitative data at national level and market information that has or will have material impact to
business
• Identifies opportunities and threats arising from area-specific market and consumer trends and developments that would impact
sales at the area and/or national level
• Actively supports and assists the Sales Information and Planning Department Head in gathering and processing competitive
intelligence for perusal of top management
• Conducts regular and ad hoc research and tracking studies and recommends possible research approaches to explore/study certain
market and consumer scenarios
• Coordinates with market research agencies in the implementation of research projects
• Disaggregation of annual targets across areas and different accounts
• Works closely with Information Systems Development and ensuring consistent and reliable operations of computer sales systems
and soft wares
• Ensures proper maintenance and easy access of market and consumer related reports source from sales area, regional distributors,
national key accounts and marketing
• Traffics the fast updating of Account Realignment Advise
• Ensures and reinforces standard formats, processes and procedures are observed in the preparation of sales reports
• Synchronizes schedules and systems of sales relative to the submission of periodic reports aligned with timelines at national level
• Ensures high level of technical competence among Sales Information Associates and Assistants through job coaching, attendance in
formal trainings to maximize utilization of potentials and skills
SALES INFORMATION AND PLANNING ASSOCIATE
• Ensures information are accurate, reliable and updated to facilitate timely decision making of key officials in the assigned sales area
• Strategic Planning
• Target Setting
• Provides analyses of same store sales identifying both internal and external factors affecting the market and provide long-term
solutions
• Do regular analyses of forecasted volumes and growth (weekly, monthly and annual)
• Prepares Monthly Operations Report and Business Operations Review which includes price gap versus competition, market prices,
placement analysis, sales to trade and program update.
• Inventory monitoring per Distributor
SAN MIGUEL CORPORATION
Ortigas, Pasig City, Philippines
November 1, 2008 – June 15, 2010
POSITION: SALES INFORMATION ANALYST
Greater Manila Area and Key Accounts Group
(November 2008 – September 2009)
North Luzon
(October 2009 - June 15, 2010)
• Long Range Planning – Prepares sales (volume & revenue) for the following year based on the company’s projected market share
and growth as against the estimated industry size and growth
• Operating Expenses and Capital Expenditures Budgeting
• Competitive Business Intelligence
• Tracking and analyses of key performance indicators like product availability, market share, pricing, inventory levels and volume
• Effect on sales of market trends as influence by consumers, trade and competition
• Provides analyses of same store sales identifying both internal and external factors affecting the market and provide long-term
solutions
• Supports management in executing their business decisions with a high amount of precision and consistency.
• Do regular analyses of forecasted volumes and growth (weekly, monthly and annual)
• Gathers data needed for analysis including market reading
• Creates reports and ensure accuracy for all reports
• Makes initial analysis of variance.
• Controls consistency of reports to support reliable decision-making.
• Verifies reports in terms of plausibility.
• Verifies the accuracy of sources and formulas.
• Tracks results to identify trends.
• Consolidates information into a manageable format.
• Provides managers monthly product contribution and analysis.
• Prepares Monthly Operations Report and Business Operations Review which includes price gap versus competition, market prices,
placement analysis, and program update.
• Calculates volume per market segment
• Prepares Performance Management System and Sales Core Competency reports for the assessment of every salesman’s
performance/promotion
• Checks and validates area’s monthly expenses as against budget to come up with necessary accrual
Other Functions:
• Prepares Physical Distribution Sales Highlights for weekly Management meeting (both Monterey and Magnolia)
• Generating data from SAP for Monthly Operations Review
• Consolidating and evaluating data (Profit and Loss from the Finance department together with the selling and other expenses for the
Monthly Operations and Business Operations Review)
• Preparing qualitative write-ups of national performance highlights (both Monterey and Magnolia)
SOLIDBASE MANPOWER INCORPORATED
Ortigas, Pasig City, Philippines
May 25 – October 31, 2008
POSITION: FINANCE ANALYST
San Miguel – Purefoods Corporation
Monterey Foods Corporation; Finance Department
• Accounts Receivables Reconciliation (Customer Account Reconciliation)
• Validation and checking of Statement of Accounts per customer
• Prepares necessary adjusting entry by preparing journal voucher thru SAP system
• Preparation of CM/DM request if there are price and weight discrepancy
• Prepares summary of Deposit slip transmitted to treasury
• Recording of Issuances and deliveries (Inventories)
• Prepares invoicing entries in SAP system
PLDT - Digital Paradise Inc.
Pangasinan and SM Fairview Branches
Pangasinan, Philippines
February 18, 2004 – October 31, 2005
POSITION: BRANCH SUPERVISOR
• Makes sure that the branch is following the policies and standards in terms of sales, supplies, personnel, and its entire
operations
• Checks the accurateness of sales figures and deposits
• Monitors the use of branch supplies and the performance of the personnel
• Constantly monitors transaction flow to provide high-quality and efficient service to customers
• Marketing
• Participated in conducting Feasibility Study in building up another branch in Pangasinan
AFFILIATIONS:
• Government Scholar
• Pi Sigma Delta Sorority UP Baguio Chapter
• Politically – Inclined Student (POLIS: Member)
COMPUTER SKILLS
• Micros, Oracle, SAP, BW, BARS, Lotus Notes, Outlook, MS Word, Excel, PowerPoint
TRAINING/SEMINAR/ APPRENTICESHIP ATTENDED
• Micros 3700 Enterprise Management Reporting
Riyadh, KSA
August 9-10, 2015
• Presenting with Impact Program
Tips and Techniques including a Planning Tool
Richmond Hotel, Thailand
June 22-23, 2011
• Business Warehouse Training
San Miguel Corporation (Sept. 17, 2009)
Training on capturing data from short system
• Central Bank of the Philippines
Baguio Branch
Lecture on how checks from various banks are cleared
• Philippine Stock Exchange Commission
Baguio Branch
Studies on the flow of stocks in the stock market
• Baguio City Hall
Observance on the Actual City Congress Session concerning local laws implementation
CHARACTER REFERENCE
• Waldo Santos
Retired Territory Sales Manager – San Miguel Foods, Inc
+63-917-881-2664
• Elisa Cabildo
Senior Accountant – Al Munajem Group of Companies
Riyadh, KSA
+966-55-786-9431
• Haron Dagadas
Forecaster – La Venta
Riyadh, KSA
+966-54-573-8564
San Miguel Corporation (Sept. 17, 2009)
Training on capturing data from short system
• Central Bank of the Philippines
Baguio Branch
Lecture on how checks from various banks are cleared
• Philippine Stock Exchange Commission
Baguio Branch
Studies on the flow of stocks in the stock market
• Baguio City Hall
Observance on the Actual City Congress Session concerning local laws implementation
CHARACTER REFERENCE
• Waldo Santos
Retired Territory Sales Manager – San Miguel Foods, Inc
+63-917-881-2664
• Elisa Cabildo
Senior Accountant – Al Munajem Group of Companies
Riyadh, KSA
+966-55-786-9431
• Haron Dagadas
Forecaster – La Venta
Riyadh, KSA
+966-54-573-8564

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Joan Cera

  • 1. JOAN M. CERA Rm. 401, Bldg. 33, Al Baraha Deira, Dubai freespiritashly@yahoo.com +971-55-763-9028 Objective: To maximize full potential and be a stable partner to the organization’s continued success and development towards the realization of its vision and mission EDUCATION: Bachelor of Arts in Social Science – April 2007 University of the Philippines Baguio – Governor Pack Road, Baguio City, Philippines Majors: Economics and Political Science STUDY/RESEARCH DONE/PUBLISHED: • Competitive Market Analysis of San Miguel Foods Inc.’s top competitor --- A research presented by the Sales and Information Management team to San Miguel – Pure Foods President • “The Role of Ethnicity on Vote Choice of Local Officials in Baguio City” --- A Bachelor’s Thesis PROFESSIONAL EXPERIENCE: AUJAN COCA-COLA BEVERAGES COMPANY Business Bay, Dubai, UAE March 27, 2016 - present POSITION: COMMERCIAL ANALYST (Total GULF) • Data gathering, analysis and interpretation  Provides data and analysis support for the annual business planning process in order to ensure the accuracy of data and results.  Prepares presentations with analysis on – Business Review, Sales Review, Customer Review, Brands Review, Budgeting, Optimization etc.  Collects and consolidates the information from the region to incorporate into monthly, quarterly and annual reports.  Tracks daily and periodic reports - Daily sales / product on focus / Supply update / Accounts receivables. • Providing information and analysis  Conducts market analysis for all key markets and update annually in order to develop a trend in market movements.  Channels opportunity mapping by category, brand, pack and occasions in order to simplify data coding. • Budgeting and Forecasting  Participates in budgets development process for the Business Unit, which includes – Volumes with value matrix, Manpower, Operations, CAPEX, Analyzes related impact of budgetary decisions.  Collaborates with Country Managers in setting monthly sales forecasts.  Prepares the monthly forecast and highlight the divergence from original set budgets / targets.  Analyses the forecast versus supply in order to bridge the gaps between the two entities. • Tracking and communicating execution of KPIs  Tracks channel execution plans in order to monitor such progress and make the necessary recommendations to the Manager if behind schedule.  Provides timely feedback to the Business Unit and highlighting variances related to execution in order to provide actual information to stakeholders. • Supply Review  Tracks the supply status and record the findings.  Determines the lost opportunity due to severe OOS situations.  Studies the cons and pros of the review to pre-empt the Obstacles.  Analyses discrepancies in performance of deliveries and propose necessary solutions to improve the process. • Coordinate with internal stakeholders  Works in collaboration with all internal stakeholders to provide good information to the BUs and other senior managers of the company.
  • 2.  Identifies new value added business opportunities using innovative concepts which can be converted into revenue generating opportunities in line with Business objectives. • Reports  Generates regular and special reports for the line manager that summarize and forecast business activities and financial position of the products and escalate critical issues to provide effective recommendations in meeting the key challenges. • Top Customer Update  Analyses Top customers sales trend and profitability  Evaluates Accounts receivable against the sales trends  Identifies the potential risks on CPC by offering trade deals / display funds.  Diagnoses the low performance of sales with regard to customer output.  Provides necessary support to the Key Accounts team in finalizing the customer wise budgets. • Competition Update  Provides the Management with timely feedback on the competitor activities in the trade (Pricing, Deals, Promotions, New entry)  Conducts market research & gather competitor information from the field force. GULF CATERING COMPANY Takhassusi St., Riyadh, KSA January 17, 2014 – January 31, 2016 POSITION: FORECASTER/DEMAND PLANNER and SALES ANALYST FORECASTER/DEMAND PLANNER • Leads forecasts and inventory planning meetings with the CEO, Project Manager, Sales Manager, and Purchasing and Warehouse Managers reviewing recommended sales forecasts and inventory goals (emphasis on brand transitions, new product introduction, and promotions). • Proactively facilitating, re-engineering, best practices & consensus between functional experts (Demand Planning, Inventory Planning, Purchasing, Sales & Marketing, Operations, Finance, and IT). • Conducts quantitative analysis including but not limited to trending, identification and assessment of opportunity and risk, forecasting, regressions, correlation, cannibalization and probability modeling • Assembles and analyzes all data pertinent to creating the sales forecast (historical sales, market trends, seasonality, and inventory levels). • Establishes and utilizes best methods (statistical models and software tools) in creating forecasts and respective inventory targets and relating and measuring the impact of forecast accuracy. • Makes recommended adjustments to forecast and inventory targets based on changes in demand and market trends. • Prepares, reports, and communicates forecast and inventory measurements to management (forecast accuracy, inventory plan vs. targets). • Manages inventory targets (including safety stock levels) that are approved by management. • Monitors SKU levels and recommend SKU rationalization initiatives in the future. • Responsible for the collection, analysis, and reporting of sales related data in an on-going effort to increase overall sales productivity. • Strategic Planning • Target Setting SALES ANALYST • Works with the Finance Team in the preparation of Cost-Volume-Profit (CVP) and Menu Engineering Analyses in analyzing line of business operations to determine profitability and to establish a baseline for action and operational changes. • Collects sales records & trends and evaluate performance measured against sales quotas while taking into consideration current economic conditions. The development and tracking of key performance indicators will be critical to enhance the understanding of the business and to improve decision-making. • Assists management in developing and reviewing the sales budget and rolling sales forecast including sales to budget variance analysis • Guides sales people (Project Manager, Sales Manager and Forecaster) and Purchasing in entering an accurate forecast by identifying specific products and customers to focus on to through sales performance. UNIVERSAL ROBINA CORPORATION Litton Mills Comp., Rosario, Pasig City, Philippines Jun 16, 2010 – April 15, 2011 POSITION: ASSOCIATE MANAGER – OIC/ SALES INFORMATION AND PLANNING ASSOCIATE
  • 3. ASSOCIATE MANAGER – OIC (Dec 2010- April 15, 2011) • Provides vital and direct support to department head in decision-making and action-planning processes through consolidation and analysis of qualitative and quantitative data at national level and market information that has or will have material impact to business • Identifies opportunities and threats arising from area-specific market and consumer trends and developments that would impact sales at the area and/or national level • Actively supports and assists the Sales Information and Planning Department Head in gathering and processing competitive intelligence for perusal of top management • Conducts regular and ad hoc research and tracking studies and recommends possible research approaches to explore/study certain market and consumer scenarios • Coordinates with market research agencies in the implementation of research projects • Disaggregation of annual targets across areas and different accounts • Works closely with Information Systems Development and ensuring consistent and reliable operations of computer sales systems and soft wares • Ensures proper maintenance and easy access of market and consumer related reports source from sales area, regional distributors, national key accounts and marketing • Traffics the fast updating of Account Realignment Advise • Ensures and reinforces standard formats, processes and procedures are observed in the preparation of sales reports • Synchronizes schedules and systems of sales relative to the submission of periodic reports aligned with timelines at national level • Ensures high level of technical competence among Sales Information Associates and Assistants through job coaching, attendance in formal trainings to maximize utilization of potentials and skills SALES INFORMATION AND PLANNING ASSOCIATE • Ensures information are accurate, reliable and updated to facilitate timely decision making of key officials in the assigned sales area • Strategic Planning • Target Setting • Provides analyses of same store sales identifying both internal and external factors affecting the market and provide long-term solutions • Do regular analyses of forecasted volumes and growth (weekly, monthly and annual) • Prepares Monthly Operations Report and Business Operations Review which includes price gap versus competition, market prices, placement analysis, sales to trade and program update. • Inventory monitoring per Distributor SAN MIGUEL CORPORATION Ortigas, Pasig City, Philippines November 1, 2008 – June 15, 2010 POSITION: SALES INFORMATION ANALYST Greater Manila Area and Key Accounts Group (November 2008 – September 2009) North Luzon (October 2009 - June 15, 2010) • Long Range Planning – Prepares sales (volume & revenue) for the following year based on the company’s projected market share and growth as against the estimated industry size and growth • Operating Expenses and Capital Expenditures Budgeting • Competitive Business Intelligence • Tracking and analyses of key performance indicators like product availability, market share, pricing, inventory levels and volume • Effect on sales of market trends as influence by consumers, trade and competition • Provides analyses of same store sales identifying both internal and external factors affecting the market and provide long-term solutions • Supports management in executing their business decisions with a high amount of precision and consistency. • Do regular analyses of forecasted volumes and growth (weekly, monthly and annual) • Gathers data needed for analysis including market reading • Creates reports and ensure accuracy for all reports • Makes initial analysis of variance. • Controls consistency of reports to support reliable decision-making. • Verifies reports in terms of plausibility. • Verifies the accuracy of sources and formulas. • Tracks results to identify trends. • Consolidates information into a manageable format. • Provides managers monthly product contribution and analysis.
  • 4. • Prepares Monthly Operations Report and Business Operations Review which includes price gap versus competition, market prices, placement analysis, and program update. • Calculates volume per market segment • Prepares Performance Management System and Sales Core Competency reports for the assessment of every salesman’s performance/promotion • Checks and validates area’s monthly expenses as against budget to come up with necessary accrual Other Functions: • Prepares Physical Distribution Sales Highlights for weekly Management meeting (both Monterey and Magnolia) • Generating data from SAP for Monthly Operations Review • Consolidating and evaluating data (Profit and Loss from the Finance department together with the selling and other expenses for the Monthly Operations and Business Operations Review) • Preparing qualitative write-ups of national performance highlights (both Monterey and Magnolia) SOLIDBASE MANPOWER INCORPORATED Ortigas, Pasig City, Philippines May 25 – October 31, 2008 POSITION: FINANCE ANALYST San Miguel – Purefoods Corporation Monterey Foods Corporation; Finance Department • Accounts Receivables Reconciliation (Customer Account Reconciliation) • Validation and checking of Statement of Accounts per customer • Prepares necessary adjusting entry by preparing journal voucher thru SAP system • Preparation of CM/DM request if there are price and weight discrepancy • Prepares summary of Deposit slip transmitted to treasury • Recording of Issuances and deliveries (Inventories) • Prepares invoicing entries in SAP system PLDT - Digital Paradise Inc. Pangasinan and SM Fairview Branches Pangasinan, Philippines February 18, 2004 – October 31, 2005 POSITION: BRANCH SUPERVISOR • Makes sure that the branch is following the policies and standards in terms of sales, supplies, personnel, and its entire operations • Checks the accurateness of sales figures and deposits • Monitors the use of branch supplies and the performance of the personnel • Constantly monitors transaction flow to provide high-quality and efficient service to customers • Marketing • Participated in conducting Feasibility Study in building up another branch in Pangasinan AFFILIATIONS: • Government Scholar • Pi Sigma Delta Sorority UP Baguio Chapter • Politically – Inclined Student (POLIS: Member) COMPUTER SKILLS • Micros, Oracle, SAP, BW, BARS, Lotus Notes, Outlook, MS Word, Excel, PowerPoint TRAINING/SEMINAR/ APPRENTICESHIP ATTENDED • Micros 3700 Enterprise Management Reporting Riyadh, KSA August 9-10, 2015 • Presenting with Impact Program Tips and Techniques including a Planning Tool Richmond Hotel, Thailand June 22-23, 2011 • Business Warehouse Training
  • 5. San Miguel Corporation (Sept. 17, 2009) Training on capturing data from short system • Central Bank of the Philippines Baguio Branch Lecture on how checks from various banks are cleared • Philippine Stock Exchange Commission Baguio Branch Studies on the flow of stocks in the stock market • Baguio City Hall Observance on the Actual City Congress Session concerning local laws implementation CHARACTER REFERENCE • Waldo Santos Retired Territory Sales Manager – San Miguel Foods, Inc +63-917-881-2664 • Elisa Cabildo Senior Accountant – Al Munajem Group of Companies Riyadh, KSA +966-55-786-9431 • Haron Dagadas Forecaster – La Venta Riyadh, KSA +966-54-573-8564
  • 6. San Miguel Corporation (Sept. 17, 2009) Training on capturing data from short system • Central Bank of the Philippines Baguio Branch Lecture on how checks from various banks are cleared • Philippine Stock Exchange Commission Baguio Branch Studies on the flow of stocks in the stock market • Baguio City Hall Observance on the Actual City Congress Session concerning local laws implementation CHARACTER REFERENCE • Waldo Santos Retired Territory Sales Manager – San Miguel Foods, Inc +63-917-881-2664 • Elisa Cabildo Senior Accountant – Al Munajem Group of Companies Riyadh, KSA +966-55-786-9431 • Haron Dagadas Forecaster – La Venta Riyadh, KSA +966-54-573-8564