- The document is a resume for Ma. Theresa Charisma G. De Los Reyes outlining her work experience and qualifications. She has 9 years of experience in retail lending at BPI Family Savings Bank, including roles as Manager of Credit Services, SME Designated Lending Officer, and Auto Designated Lending Officer. She also has experience in human resources and talent acquisition. Her responsibilities have included approving loans, analyzing client financial status, and managing loan personnel.

1. Ma. Theresa Charisma G. De Los Reyes
97 W. Vinzons Street BF Homes Paranaque City, PHILIPPINES
(Mobile) +63917-3037654/+63922-6768977 (Home) +632-8072212
mirendelosreyes@yahoo.com / mtcgdelosreyes@bpi.com.ph
Summary of qualifications:
- 9 years of working experience in a financial institution specifically in the retail lending division of the bank.
- 1 year working experience in Human Resources in the field of Talent Acquisition.
Work Experiences:
Manager – Credit Services Division
BPI Family Savings Bank Inc. April 2007 – Now
SME Designated Lending Officer March 2016 – Now
Auto Designated Lending Officer June 2015 – February 2016
Iloilo Credit Services Head October 18, 2010 – June 2015
Davao Credit Services Head- Reliever September to October 2010
Naga Credit Services Head January to August 2010
Auto Designated Lending Officer April 2007 to December 2009
Deployed after Officership Training Program (OTP) from BPI
Credit Services Duties & Responsibilities:
 Approve or recommend approval of loans within policy guidelines & limits & refer loan applications to the loan
committee for approval.
 Advise clients to obtain information for loan applications & to answer inquiries about the process or responding to
requests.
 Analyze & evaluate clients’ financial status, credit & property evaluations to determine feasibility of approving loans to
determine credit worthiness of the borrower.
 Recommend parameters on the clients’ loan structure e.g. down payment & loan terms.
 Submit applications to credit analysts for verification & recommendation.
 Improve loan applications & documentation by informing Marketing Division of its clients’ additional requirement.
 Assess loan requests through interviews with clients’ & by checking application forms, references, credit ratings, credit
scores, pay slips & other information.
 Review & approve appraisal, title verification, & annotation & field credit investigation reports.
 Prepare report to be submitted to the other bank’s division as well as to local regulatory bank/BSP.
 Monitor timely collection of appraisal fees & other pre-requirements to ensure clients’ compliance prior loan
processing.
 Recommend & set credit policies & procedures & standards in conjunction with senior managers.
 Engage & follow-up with clients’ or accounts that are delinquent & forward irreconcilable accounts for collector action.
 Reject loans by explaining deficiencies to Marketing Division.
 Maintain clients’ confidence by keeping loan information confidential.
 Accomplish bank mission by completing related results as needed.
 Participate in the audit exercise & ensures unit passes internal & external audits through compliance e.g. BSP.
People Management & Others Duties & Responsibilities:
 Supervise loan personnel.
 Interview, assess & hire applicants; orient & train new employees.
 Ensure staffs' adherence to company policies, compliance to mandatory training & leaves.
 Monitor & prepare the unit's budget & expenses for the current & next financial year.

2.  Update job knowledge by participating in educational opportunities; reading professional publications; maintaining
personal network.
Bank of the Philippine Islands
Officership/ Management Trainee August 2006 to April 2007
 Seven months extensive training on BPI's various products & services as well as general banking laws.
Older Previous Employments:
Professional Staffers - John Clements Consultants, Inc. November 2005 to Jun 2006
Recruitment Staff
ClientLogic April 2005 to October 2005
Employment Administrator
Petron Philippines April to May 2004
Practicum Experience- HR Training
Education:
Bachelor of Arts Major in Behavioral Science
University of Santo Tomas, Graduated 2005 as Cum Laude