Summary
Overview
Work History
Education
Skills
Accomplishments
Affiliations
Timeline
Generic
Stephany Cagalawan

Stephany Cagalawan

Dubai,United Arab Emirates

Summary

Demonstrates a strong ability to ensure compliance with banking regulations through meticulous information verification and credit analysis. Proficient in data processing, documentation, and reporting, aiming to leverage skills in a challenging role within the financial sector with 10 years of experience. Managing multiple priorities with positive attitude and willing to take on greater responsibilities to meet team goals.

Overview

16
16
years of professional experience
2010
2010
years of post-secondary education

Work History

Associate / Decision Maker

Abu Dhabi Commercial Bank
Dubai, UAE
09.2014 - Current
  • Evaluate customer profile seeking retail credit facility in line with Banks policies and procedures.
  • Analyze and assess financial statements and credit history of existing and potential clients.
  • Accomplished targeted productivity levels and ensured adherence to Service Level Agreement and Turnaround Time.
  • Verify customer information and analyze customer income documents, Bank Statements, Etihad Credit Bureau report and action cases according to Bank policy norms.
  • Formulation of appropriate and correct credit decision based on complete assessment strengths and weakness of application.
  • Analyzing financial data about clients, including paying habits or history, earnings and savings information, and purchase activities.
  • Cooperated with collection department to identify and resolve client's repayment issues.
  • Performed analysis for lending portfolios of particular products to determine performance over time.
  • Reviewed customer financial data to ascertain level of risk involved for extending credit.
  • Assured the authenticity of data reported in daily productivity sheet.
  • Carried out internal self-audit on processed cases and sustained low risk rating review by audit.
  • Assured attainment of Contact Point Verification and accuracy of daily/monthly data capture for MIS reports.
  • Managed adherence to Standard Operating Procedures and secured Quality service to customers.

Receptionist / Secretary

Al Muharam Telecommunication, L.L.C.
08.2011 - 07.2013
  • Exhibited excellent multitasking skills by balancing various responsibilities simultaneously without compromising efficiency or quality of work output.
  • Compile, copy, sort and file records of office activities and business transactions.
  • Answered incoming calls, took messages, and transferred calls to appropriate departments or personnel.
  • Scheduled appointments for clients, customers, and other visitors.
  • Processed payments and updated accounts to reflect balance changes.
  • Assisted with special projects assigned by management when required.
  • Provided excellent customer service at all times while interacting with both internal and external customers.
  • Protected clients' rights by maintaining confidentiality of personal and financial information.
  • Scheduled appointments and maintained and updated appointment calendars.
  • Organized conference room reservations for meetings or events.
  • Maintained neat reception area by organizing materials and tidying up furniture.

Customer Service Executive

Mainstream Business Incorporated (PHILIPPINES)
05.2009 - 01.2011
  • Processing bills payment services on Customer Liabilities and other government-controlled transactions.
  • Assigned as head customer service assistant in thorough maintenance of receivable accounts.
  • Assisting in sales to provide product and service information to assist customers in making decision about what product to buy.
  • Monitored customer feedback regularly to identify areas for improvement in services offered.
  • Helping to generate sales leads.
  • Resolved customer complaints in a timely manner while maintaining professional attitude.
  • Ensuring that all customers receive an exceptional standard of service at all times.
  • Handled internal and external telephone calls as well as ensuring that all phones are answered accordingly and making appropriate transfer.
  • Maintained accurate records of customer interactions, transactions and comments in the database system.
  • Organizing and monitoring reports to accounting and treasury.
  • Assisted with customer inquiries related to product information, order status, returns and exchanges, billing issues and more.
  • Making closing accountability reports every month.

Education

Bachelor of Science in Industrial Technology - Major in Computer Technology

Carlos Hilado Memorial State College
Bacolod City , Negros Occidental , Philippines

Skills

  • Financial statement analysis
  • Loan documentation
  • Risk assessment
  • Information verification
  • Banking compliance
  • Credit evaluation
  • Data management
  • Reporting and documentation
  • Customer service excellence

Accomplishments

  • Tamayuz Star Award -May 2023 (ADCB)

Affiliations

  • Music , Sports , Reading , Cooking

Timeline

Associate / Decision Maker

Abu Dhabi Commercial Bank
09.2014 - Current

Receptionist / Secretary

Al Muharam Telecommunication, L.L.C.
08.2011 - 07.2013

Customer Service Executive

Mainstream Business Incorporated (PHILIPPINES)
05.2009 - 01.2011

Bachelor of Science in Industrial Technology - Major in Computer Technology

Carlos Hilado Memorial State College

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Stephany Cagalawan