Lilibel Alcaraz
Calgary,Canada
Summary
Banking Experience:
Experienced with credit evaluation, risk assessment, and financial analysis. Utilizes strong analytical skills to make informed credit decisions. Knowledge of customer relationship management and regulatory compliance.
Customer Service Experience:
Professional attendant with strong focus on delivering high standards and achieving results. Proven ability to adapt to changing needs while maintaining reliability and team collaboration. Skilled in customer service, problem-solving, and maintaining clean, organized environment. Known for positive attitude and effective communication with both customers and team members.
Overview
22
22
years of professional experience
Work History
Venue Services Attendant (Night Shift)
Calgary Stampede
07.2024 - 07.2024
- Kept facilities clean, neat, and organized to give areas professional and fresh appeal.
- Collaborated with team members to improve overall service quality and guest experience.
- Maintained a clean and safe environment for guests through regular inspection and cleaning tasks.
- Provided excellent customer service to guests by promptly responding to inquiries and requests.
- Contributed to a positive work atmosphere by maintaining open communication with colleagues and supervisors.
Attraction Attendant
Jurassic Quest Holdings, Inc.
04.2024 - 04.2024
- Ensured timely completion of daily opening and closing procedures while adhering to company guidelines.
- Assisted guests with accessibility needs by providing information or accommodations tailored to their requirements.
- Maintained a clean and safe environment for guests by performing routine safety checks and cleaning tasks.
- Managed crowd control effectively, ensuring a pleasant experience for all guests visiting the attraction.
- Collaborated with team members to maintain overall efficiency and productivity during high-traffic periods.
- Cleaned rides and attractions to reduce spread of germs and bacteria.
- Followed posted height and age restrictions and denied access to attraction for guests under minimum requirements.
- Built and established positive relationships with patrons, team members and supervisors.
Loans or Credit Officer Lead
Metropolitan Bank and Trust Company
04.2019 - 12.2023
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Adhered to banking standards and government lending guidelines for loan services.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Trained new team members on company-specific processes, ensuring consistent standards across the credit department.
- Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
- Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Collaborated closely with underwriting teams to ensure a seamless process from application submission to loan disbursement for clients.
- Mentored junior staff members in best practices related to credit analysis, instilling a culture of accuracy and diligence within the team.
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
Loans or Credit Officer
BDO Unibank, Inc.
03.2005 - 04.2019
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Adhered to banking standards and government lending guidelines for loan services.
- Checked appraisals, title information and insurance documents for each property.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Human Resource Asst.
SP SHOE PLAZA CORPORATION
09.2002 - 09.2005
- Efficiently managed personnel files, maintaining confidentiality while keeping records up-to-date and organized.
- Filed paperwork, sorted, and delivered mail and maintained office organization.
- Conducted new hire orientation to verify completion of appropriate paperwork, recording information on human resources database.
- Answered and redirected incoming phone calls for office.
- Assisted in payroll processing to ensure timely delivery of paychecks to all employees.
- Monitored employee attendance and performance to verify punctuality and absences, addressing issues in accordance with company policies and procedures.
- Supported talent acquisition efforts by screening resumes, scheduling interviews, and performing reference checks for prospective candidates.
- Organized new employee orientation schedules for new hires.
- Supported HR Manager in strategic planning sessions focused on organizational development and growth.
- Enhanced onboarding experience for new hires by creating comprehensive orientation materials and training programs.
Education
Bachelor of Arts - Communications
Saint Louis University
Baguio City, PhilippinesBusiness Administration - Supply Chain Management
Bow Valley College
Calgary, Alberta12.2025
Skills
Strong Work Ethic
Patience and understanding
Team player attitude
Reliability and punctuality
Credit analysis
Documentation Management
Customer Relations
Creditworthiness Determination
Compliance assessments
Office Administration
Administrative Skills
Skillstraitsinterests
- Knowledgeable in Microsoft Office applications (Excel, Word, Powerpoint etc.)
- Administrative experience in an office setting for more than 10 years
- Hardworking with eagerness to learn
- Independent but also a team player
- Interested in music, movies and literature
Trainingscompleted
- Credit Training Program Course 1, PSR Consulting, Inc., Makati City, Philippines, 2013
- Credit Training Program Course 2, PSR Consulting, Inc., Makati City, Philippines, 2013
- Officers Development Training, Banco De Oro Unibank Inc., Binondo, Manila, 2011
Languages
English
Full Professional
Timeline
Venue Services Attendant (Night Shift)
Calgary Stampede
07.2024 - 07.2024
Attraction Attendant
Jurassic Quest Holdings, Inc.
04.2024 - 04.2024
Loans or Credit Officer Lead
Metropolitan Bank and Trust Company
04.2019 - 12.2023
Loans or Credit Officer
BDO Unibank, Inc.
03.2005 - 04.2019
Human Resource Asst.
SP SHOE PLAZA CORPORATION
09.2002 - 09.2005
Bachelor of Arts - Communications
Saint Louis University
Business Administration - Supply Chain Management
Bow Valley College
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