Ernesto P. Dino Jr. is seeking a mid to senior level position in collections or credit management with over 10 years of experience in these fields. He has worked at Philippine Bank of Communications and Citibank Savings Inc. in various managerial roles involving collections, credit analysis, and customer service. Dino has a bachelor's degree in commerce from Centro Escolar University and is proficient in Microsoft Office programs.

1. Ernesto P. Dino Jr
Blk 1B Lot 6 Brescia Subd.
Greater Fairview, Quezon City
Contact No. 0918-9620350
E-mail: epdinojr@yahoo.com
OBJECTIVE
Mid to Senior level position both in Collections and Credit Management role, wherein my skills,
Entrepreneurial mindset and extensive work experience can be put to challenge and foster
growth.
PROFESSIONAL PROFILE
 Well qualified and result-oriented professional with over 10 years of successful experience in
positions of increasing responsibility and duties
 Knowledgeable and personable with exceptional adaptability, good team building skills, ability
to manage multiple tasks in a pressured environment and motivated to consistently achieve
high quality outcomes
 Team player with good communication skills: verbal, written, interpersonal, presentation and
rapport building with capability in developing and maintaining productive working relationship
with clients and colleagues at all levels
 Knowledgeable and Perform the 5 C’s of Credit—Capacity, Capital, Collateral, Conditions
and Character
 Capable of controlling the Performance of Collections Delinquency through Segmentation
PROFESSIONAL EXPERIENCE
COMPANY : PHILIPPINE BANK OF COMMUNICATIONS
POSITION : LUZON OTHER BANKING OFFICE DIRECTOR ( Rank: Senior Manager)
July 2014- Present

2.  Responsible for personnel management to include staff training, managing the
performance of branch staff, work load management, developing and setting goals of the
branch and each employee and handling related human resource issues.
 Conduct daily sales huddle to review status of pipeline and aging of applications, goal
gap analysis and to discuss new policy bulletins.
 Motivates team of Personal Banker to originate unsecured personal loans through the
solicitation of internal customer base and referral from approved external sources and
marketing programs
 Monitor performance daily versus branch monthly goal and act quickly to resolve
variances in performance
 Ensure proper capacity planning of Other banking office
 Understand the challenges and opportunities within each branch team, and what tools
should be used to motivate each branch employee
 Responsible for providing high-end customer service by building and maintaining an
effective and responsive relationship.
 Review Personal loan application recommended/underwriting done by the Relationship
Manager. I have the credit authority to approve up to Php 400,000
POSITION : BUSINESS CENTER DIRECTOR ( Rank: Senior Manager)
January 8, 2013- June 2014
 Responsible for personnel management to include staff training, managing the
performance of branch staff, work load management, developing and setting goals of the
branch and each employee and handling related human resource issues.
 Motivates team of Personal Banker to originate unsecured personal loans through the
solicitation of internal customer base and referral from approved external sources and
marketing programs
 Coach employees as needed to construct and execute action plans to achieve desired
results
 Monitor performance daily versus branch monthly goal and act quickly to resolve
variances in performance
 Understand the challenges and opportunities within each branch team, and what tools
should be used to motivate each branch employee
 Responsible for providing high-end customer service by building and maintaining an
effective and responsive relationship.

3.  Review Personal loan application recommended/underwriting done by the Relationship
Manager. I have the credit authority to approve up to Php 400,000
COMPANY : CITIBANK SAVINGS INC.
POSITION : CLUSTER MANAGER (Rank: Manager)
August 1, 2010 – Dec 31, 2011( Greenhills Branch, Ortigas Branch and Galleria)
January 7, 2013 ( Greenhills Branch and Robinsons Pioneer Branch)
 Responsible for personnel management to include staff training, managing the
performance of branch staff, work load management, developing and setting goals of the
branch and each employee and handling related human resource issues.
 Motivates team of Personal Banker to originate unsecured personal loans through the
solicitation of internal customer base and referral from approved external sources and
marketing programs
 Coach employees as needed to construct and execute action plans to achieve desired
results
 Monitor performance daily versus branch monthly goal and act quickly to resolve
variances in performance
 Understand the challenges and opportunities within each branch team, and what tools
should be used to motivate each branch employee
 Responsible for providing high-end customer service by building and maintaining an
effective and responsive relationship.

POSITION : Relationship Manager (Rank:Asst. Manager)
March 1, 2008 to July 31, 2010
 Manage and maintain good portfolio, monitor the past due accounts and ensures that
collection rate in controllable percentage.
 Personal loan account management. Ensures that all approved personal loan accounts
complied with the policies set by the Credit and Risk Department.
 Primarily responsible in consumer loan processing, underwriting and approval, with credit
authority to approve up to Php 200,000

4. COMPANY : CITIBANK N.A
POSITION : COLLECTIONS MANAGER (Rank:Asst. Manager)
July 2003 to February 2008
 Supervise and motivates a group of Collection officers in collecting from the Loans and
Cards Portfolio to avoid net credit losses and implementing effective and sound collection
methods while ensuring all local regulations are respected
 Appraise and evaluate team members, monitor efficiency and work performance of each
collection officer, and create an environment to help motivate them to optimize their
performance and professional growth
 Review and analyze data for the monthly management Loan loss portfolio to measure
portfolio performance and monitor daily delinquency and collection tracker reports to
maintain and meet unit goals
 Process inter-department correspondence to expedite the resolution of accountholder-
related matters and review all correspondence between clients and collections officers as
well as respond to client inquiries and complains
 Identify, assess, and provides feedback to Unit Head on causes of delinquency for
analysis purpose and improving unit performance
POSITION : COLLECTIONS OFFICER (Rank: Authorized Signer/Backup Team Leader)
June 2000 – June 2003
 Demonstrated multi-tasking abilities by investigating on the customer’s history to negotiate
terms, initiating reversal of penalties and charges as requested by the client subject to
company policy on reversals, and preventing impending loss and increasing profitability for
the company
 Accommodated walk-in clients for collection and payment related queries and requests such
as loan restructuring and payment assistance programs, Issuance/Pull-out of post-dated
checks, and Pre-termination of Loan

5.  Coordinated and Interacted with different departments and bank branches for transmittal of
issued checks, reported mis-posted and un-posted payments, resolved customer complains,
and endorsed accounts that needs special collection handling
TECHNICAL / COMPUTER SKILLS
 Proficient in using personal computer skills in such programs as Microsoft Windows,
Microsoft Word, Excel, and Powerpoint
CITATIONS/AWARDS
 GCG SERVICE EXCELLENCE AWARDEE 2006
 TOP RELATIONSHIP MANAGER FOR JULY 2008
 SECOND LOWEST ROLL FORWARD FOR THE 2009
 THIRD LOWEST ROLL FORWARD FOR THE FIRST SEMESTER OF 2010
EDUCATIONAL ATTAINMENT
Tertiary : Centro Escolar University- Mendiola, Manila
Bachelor of Science in Commerce Major in Management 1995-
1999
PERSONAL INFORMATION
Age : 36
Date of Birth : August 27, 1978
Gender : Male
Civil Status : Single
Nationality : Filipino
Height : 5’10
CHARACTER REFERENCE
Available upon request

6.  Coordinated and Interacted with different departments and bank branches for transmittal of
issued checks, reported mis-posted and un-posted payments, resolved customer complains,
and endorsed accounts that needs special collection handling
TECHNICAL / COMPUTER SKILLS
 Proficient in using personal computer skills in such programs as Microsoft Windows,
Microsoft Word, Excel, and Powerpoint
CITATIONS/AWARDS
 GCG SERVICE EXCELLENCE AWARDEE 2006
 TOP RELATIONSHIP MANAGER FOR JULY 2008
 SECOND LOWEST ROLL FORWARD FOR THE 2009
 THIRD LOWEST ROLL FORWARD FOR THE FIRST SEMESTER OF 2010
EDUCATIONAL ATTAINMENT
Tertiary : Centro Escolar University- Mendiola, Manila
Bachelor of Science in Commerce Major in Management 1995-
1999
PERSONAL INFORMATION
Age : 36
Date of Birth : August 27, 1978
Gender : Male
Civil Status : Single
Nationality : Filipino
Height : 5’10
CHARACTER REFERENCE
Available upon request