Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

MARIA CRISTINA DORIA

19 ECKFORD LANE BRAMPTON,ON

Summary

Experienced banking professional who excels at processing high volumes of error-free transactions and meeting goals. Trustworthy Banker who enjoys working in a customer-focused work environment. Offers strong knowledge of banking products and services. Dynamic and attentive banker specializes in retail banking, customer service and account management. Driven to help clients make responsible and financially beneficial decisions. Knowledgeable of branch operations, loans, and financial products to best support company and customers. Performance-driven and motivated Sales Officer accustomed to working in fast-paced and deadline-driven environments. Knowledgeable and dedicated team player with outgoing, positive demeanor and proven skills in establishing rapport with clients and contributing to company success. Articulate, experienced management skills energetic and results-oriented with exemplary passion for developing relationships, mentoring, cultivating partnerships, and growing businesses. Proficient computer and multi-tasking skills and able to function in fast-paced environments. Currently residing in Brampton and available immediately for consideration.

Overview

22
22
years of professional experience
1
1
Certification

Work History

NEW ACCOUNTS and LOAN SPECIALIST

PHILIPPINE SAVINGS BANK
06.2021 - 04.2024
  • Process opening of new accounts and ensure compliance to the existing policies and procedures on account opening and AMLA provision
  • Processes local and foreign bills sent for collection
  • Process outward remittance of client
  • Monitors and processes term placement transactions and maturities
  • Acts as co custodian for the inventory pf accountable forms and ensure accuracy of related reports
  • Responsible for reporting any suspicious transactions in the bank to .the supervising officer for immediate actions
  • Process loan applications of branch, prepare and ensure
    completeness of loan documents
  • Request and review credit investigation or appraisal report
  • Monitor release of approved loans
  • Ensure correct tagging of mode of payments for approved loan
  • Cross-selling of bank products and services to new and existing bank
    clients
  • Go on client calls with Branch Head when needed
  • Entertain client queries and provides information on bank products
    and services to clients
  • Perform other tasks that may be assigned by superiors from time to
    time
  • Ensure ethical behavior, professional conduct, and quality of
    interaction with customers.
  • Perform appropriate due diligence before selecting the authorized
    agents/outsourced parties and implement controls to monitor the
    agent's performance on a continuous basis
  • Actively participates in the Bank’s sustainable finance-related
    activities and performs functions as assigned, to help achieve
    sustainable finance and other sustainability goals of the Bank
  • Engage with customers to develop a positive customer experience; strive to make each customer interaction the best experience of their day
  • Develop new and existing customers by understanding their financial needs, providing products and solutions to help them spend and save
  • Go above and beyond for customers to strengthen and retain long term relationships
  • Grow new business and drive referrals to branch colleagues and partners to support the broader financial needs of customers
  • Serve as the financial liaison to customers while providing world class customer service
  • Bring a positive energy and confidence to customers every day
  • Answered questions about payment research loan modifications and adjustable rate mortgages.
  • Conducted research and analysis of loan issues and provided solutions.
  • Communicated concerning loan rejections and settlement of loan modifications.
  • Responded to internal and external inquiries from personnel customers and vendors.

TELLERING and CASH MANAGEMENT SPECIALIST

PHILIPPINE SAVINGS BANK
09.2019 - 05.2021
  • Receive and count working cash at beginning of shift
  • Identify customers, validate and cash checks
  • Accept cash and checks for deposit and check accuracy of deposit
    slip
  • Process cash withdrawals
  • Perform specialized tasks such as preparing cashier's checks,
    personal money orders, issuing traveler's checks and exchanging foreign currency
  • Perform services for customers such as ordering bank cards and
    checks
  • Receive and verify loan payments, mortgage payments and utility bill
    payments
  • Record all transactions promptly, accurately and in compliance with
    bank procedures
  • Balance currency, cash and checks in cash drawer at end of each
    shift
  • Answer inquiries regarding checking and savings accounts and other
    bank related products
  • Attempt to resolve issues and problems with customer's accounts
  • Explain, advise on and promote bank products and services to
    customers
  • Identify referral opportunities and make relevant referrals
  • Ensure compliance with all internal controls and established policies
    and procedures

AUTO LOAN SALES AND MARKETING AND DOCUMENTATION AN

PHILIPPINE SAVINGS BANK
02.2009 - 09.2019
  • Receives, encodes and logs auto loan applications in accordance with established bank policies and within the required turnaround time.
  • Receives auto loan documents and ensure that all major documents
    are signed completely by required signatories.
  • Ensures vehicle descriptions are consistent in all documents including insurance policies, all documents are consistent with both credit and sales requirements and all documents are booked in less than 24hours
  • Coordinates with the other departments for certain tasks involved in
    processing the loan, such as CI and appraisal requests, credit results
    follow-up, legal documentation, loans monitoring and release of funds.
  • Reviews proposals that were previously disapproved/deferred by
    credit analysts, encodes request for reconsideration and makes
    justifications for possible approval.
  • Makes quotations on the unit to be purchased, term of loan, add-on
    rate, down payment, amount to be financed, registration and chattel
    mortgage fee
  • Assists superiors in ensuring that Dealer Coordinators and Account
    Officer meet their goals by monitoring inflow of applications and
    bookings.
  • Calls and entertains clients, dealer personnel, and account officer or
    dealer coordinator on the status of credit applications.
  • Assists in sourcing units for approved applications through
    coordination with dealers, preparation of PO and completion of other
    credit documents.
  • Entertains queries of clients, dealer personnel, account officer, dealer
    coordinators, etc.
  • Monitors sales desk generated transactions and prepares or reviews monthly summary of sales bookings and generates reports on sales
    desk accounts.
  • Prepares other reports, such as booking reports, market share and
    volume reports, etc. as required.
  • Ensures that KYC validation and authentication procedures are
    conducted
  • Ensures proper loan documentation and its appropriateness to the
    transaction, coverage of the transaction risks, completeness and
    enforceability, as well as, proper execution and registration
  • Ensures that signature verification is performed by the unit to
    ascertain that the signature of client/authorized signatory on the
    documents is the same as that appearing on the photocopies of
    submitted IDs.
  • Reviews credit folders and loan documents to ensure accurate
    processing, proper documentation and booking of all loans availed by
    clients.
  • Ensures that all processes/transactions/decisions of the sales desk
    are in accordance with established Bank policies, and that the
    required turnaround times are met.
  • Coordinates with the other departments for certain tasks involved in
    processing the loan, such as CI and appraisal requests, credit results
    follow-up, legal documentation, loans monitoring and release of funds.
  • Performs CMAP/NFIS and other file checking inquiries prior to
    recommendation for approval.
  • Tracks the movement of documents and provide an up-to-date
    inventory on collateral and loan documents.
  • Maintains and safe keeps the collateral and loan documents in the
    main vault.
  • Prepares monthly report on outstanding unsubmitted collateral
    documents.
  • Requests for the processing of the release of collaterals and loan
    documents to the clients
  • Performs KYC procedures and signature verification prior to releasing
    the collateral and loan documents to the client or authorized
    representative.
  • Ensures the accurate and timely preparation and submission of other
    reports, as requested by superiors
  • Manages customer complaints within the standard set

SALES OFFICER

LEISURE COAST RESORT
03.2006 - 01.2009
  • Prepares sales forecast and sales targets, in consultation with the
    General Manager;
  • Monitors sales against targets and analyzes variances
  • Solicits customer feedback, monitor customer satisfaction;
  • Prepares proposals for possible events and banquet materialization;
  • Ensures that information regarding banquet bookings, cancellation
    and adjustment are disseminated to all concerned department.
  • Assist banquet coordinator in attending to inquiries, banquet booking
    and reservations;
  • Monitors and checks banquet contracts
  • Coach, train and schedule banquet staff.
  • Prepares sales productivity reports and submits them to GM every
    end of the month;
  • Personally oversees preparations for events and banquet, insuring
    that client requirements are available and in good condition;
  • Creating and implementing lead generation strategies; Identifying and
    pursuing target markets by monitoring club and community
    demographics.
  • Utilizing contact database daily to build and maintain prospects, track
    leads and accurately report all sales metrics; networking with
    members, guests and the community to maximize leads and referrals
  • Personally attend to VIPs

SALES ASSISTANT

LEISURE COAST RESORT
10.2005 - 03.2006
  • Receives inquiries and banquet packages, room and other company
    products and services.
  • Attends bookings and reservations in accordance with booking
    procedures.
  • Confirms tentative reservations.
  • Prepares event order and insures they are calculated to all concerned.
  • Prepares and process events contracts.
  • Handles documents cancellations, changes in event, arrangements
    and circulate the information to all concerned units.
  • Coordinates with banquet head waiter regarding client requirements.
  • Checks set up and preparations for the event insuring that event
    arrangements are available and in good condition.
  • Double checks set-up and service as whether they meet requirements
    as contained in vent order.
  • Checks customer satisfaction.
  • Administer customer survey and summarizes the result.
  • Attends to customer needs, complaints and concerns: coordinates
    with concerned officers for needed remedies.
  • Maintains and updates reservation file
  • Performs other related duties as maybe assigned by superior

SENIOR FRONT DESK CLERK

LEISURE COAST RESORT
12.2004 - 10.2005
  • Makes rounds and checks service of Front Office staff and calls their
    attention for whatever deficiencies noted.
  • Maintains a logbook on critical incidents, complaints of guests.
  • Personally meets and attends to VIPs and other important guest.
  • Sees to it that Front Office policies and procedures are always
    implemented.
  • Check guest folio or master folio whether all information is properly
    documented such as bills
  • Receives night report from housekeeping supervisor regarding
    occupancy, room status, out of order rooms, etc.
  • Assists in guest registration and other office transactions.
  • Prepares staff schedule and delegates side duties.
  • Coordinates closely with Front Office on room status and room
    bookings as well as in charges in room assignments and
    reservations.

FRONT DESK CLERK

LEISURE COAST RESORT
10.2002 - 12.2004
  • Sells, registers and assigns rooms to incoming guests;
  • Checks out departing guests according to established procedures;
  • Attends to guests inquiries, messages, correspondences, request
    and complaints;
  • Controls office and room keys; and
  • Prepares report of guest arrivals; departures; no- shows, cancellation
    and related matters.
  • Managed reservations, cancellations, and modifications with accuracy to maintain organized booking records.
  • Maintained clean and organized front desk areas to uphold polished company image.
  • Answered multi-line phone system and transferred callers to appropriate department or staff member.

CASHIER

JOLLIBEE FOODS, INC.
06.2002 - 10.2002
  • Receives and prepares outside/take-out orders of customers
  • Responsible for the telemarketing Serves as an assistant of the
    Smart Officer/Marketing Office
  • Monitored self-checkout systems and provided assistance or intervention where required.
  • Operated and sanitized kitchen and food preparation equipment.
  • Assisted counter staff in packing ready orders and distributing to customers.
  • Greeted over thousand customers per day and communicated effectively to obtain accurate orders.
  • Packaged and labeled food products and orders for to-go counter and drive-through window.
  • Provided customers with information on specials and discount deals.
  • Set up new sales displays each time
  • Provided expertise on products, including demonstrating features, answering questions, and redirecting objections to highlight positive aspects.
  • Performed cash, card and check transactions to complete customer purchases.
  • Reconciled cash drawer at start and end of each shift, accounting for errors and resolving discrepancies.
  • Used POS system to enter orders, process payments and issue receipts.
  • Operated cash register to record all transactions accurately and efficiently.
  • Maintained current knowledge of store promotions and highlighted sales to customers.
  • Maintained energy and enthusiasm in fast-paced environment.
  • Completed task to ensure compliance with relevant regulations.

Education

Bachelor of Science - Business Administration And Management

UNIVERSIDAD DE DAGUPAN
PHILIPPINES
10.2002

Skills

  • Greet customers and ask questions to determine their needs Process Transactions/Customer Service
  • Strong listening skills, excellent customer service skills, effective asking questions and identifying needs to expand the customer relationship
  • Hands on experience in providing exceptional customer service and resolving clients' accounts issues
  • Adhering to all bank security, audit, and compliance requirements
  • Ability to resolve customer issues by providing solutions
  • Consistently achieved a 100% teller/ATM/Vault balancing in average
  • Display emotional resilience and the ability to withstand pressure on and on-going basis
  • Works with diligence and care and ensures all commitment are fulfilled
  • Sets and maintain high performance standards
  • Achieves goals in a timely and consistent manner
  • Adheres to organizational policies and procedures
  • Strong verbal communication skills
  • Efficient customer service expert
  • Active listening skills and computer literate
  • Empathy
  • Patience and self control skills
  • Self-motivated and Organizational skills
  • Achieved 100% sales quota with accuracy and efficiency
  • Superior ability to work independently
  • Eye for details
  • Maintains confidentiality and meets own commitments
  • Strong sense of banking ethics
  • Cross selling
  • Cash Handling Expertise
  • Sales Driven

Certification

Caregiving

Lean Six Sigma

US Accounting 101

General Virtual Assistant

Timeline

NEW ACCOUNTS and LOAN SPECIALIST

PHILIPPINE SAVINGS BANK
06.2021 - 04.2024

TELLERING and CASH MANAGEMENT SPECIALIST

PHILIPPINE SAVINGS BANK
09.2019 - 05.2021

AUTO LOAN SALES AND MARKETING AND DOCUMENTATION AN

PHILIPPINE SAVINGS BANK
02.2009 - 09.2019

SALES OFFICER

LEISURE COAST RESORT
03.2006 - 01.2009

SALES ASSISTANT

LEISURE COAST RESORT
10.2005 - 03.2006

SENIOR FRONT DESK CLERK

LEISURE COAST RESORT
12.2004 - 10.2005

FRONT DESK CLERK

LEISURE COAST RESORT
10.2002 - 12.2004

CASHIER

JOLLIBEE FOODS, INC.
06.2002 - 10.2002

Bachelor of Science - Business Administration And Management

UNIVERSIDAD DE DAGUPAN

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MARIA CRISTINA DORIA