GEMMA SANCHEZ GARCIA
Al Riqqa Street, Deira, Dubai, UAE
mobile no. : +971508105985
email address : gems_sam@yahoo.com
garcia.gemma04@gmail.com
Job Profile
A highly organized professional banker with 15 years extensive knowledge in the field handling all types
Administrative, Operations and Risk Management functions
Work Experiences
Ilac Management Consultancy
Training & Event Coordinator
August 2015 to present
Working alongside with the Development Manager to develop plans for training program and events
Attend meetings for business collaboration with other training centers
Responsible for the launching, advertising and marketing campaign for the trainings and other services
Continuously updating the database for the marketing campaign
Responsible for the designing the event brochure and flyer
Responsible for all secretarial and administrative functions such as arranging and coordinating of
meetings, office and training supplies, taking minutes of meeting etc.
Preparing status report for all of the training campaigns and events.
Union National Bank
Associate-Assistant to the SVP & Group Head
FI & Structured Finance Group
May 2010 – March 2015
Manage and maintains diary to keep daily activities and appointments of the Group Head in order
Screens, attends telephone calls and assessing and resolving queries when and where appropriate
Coordinate and arrange meetings (Internal, external and teleconference). Ensures meeting facilities,
preparation and circulation of agenda as maybe required.
Draft correspondence including internal memos and minutes of various meetings
Coordinating with the team members for timely submission of reports as required by the Group Head and
related departments.
Maintain an up-to-date database for clients and contacts, maintain electronic filing system and keep
record of correspondence to ensure that they are readily available for reference
Responsible for all administrative functions such as planning, organizing and arranging of travel itinerary
including visa application, ticket and hotel booking. Monitoring, coordinating with the relevant
department for the supplies and physical office maintenance and requirements
Ensure the confidentiality of all records and business information by keeping the files in order and
protected and that all information divulge (with internal and external) have clearance from the Group
Head.
Assume other task as maybe assigned and required by the Group Head
Mashreq Bank
Senior Processor
Credit Control Unit
January 2009 to April 2010
Review/scrutinize the Credit Sanction/Credit Proposal (CP);
Ensure limits have been approved within the delegated authority;
Ensure that Facility Advice Letter (FLA) properly reflects limits approved and terms and conditions
required to cover all facilities;
Ensure that all conditions stipulated in the CP as conditions precedent to disbursement of facility(s) have
been duly complied with prior to releasing limits for implementation/renewal in the system. If not,
specific waiver/deferral must be obtained by Relationship Manager (RM) before release of facility;
Monitoring SME Loan Maturity Sheet on a daily basis;
Inform to RM for SME Loan maturity;
SME Loan rollover / settlement as per the RM's request;
Create / release cash margin as per FLA;
Handles SME Loan: process loan drawdowns, interest rollovers, settlement of loans;
Reply any query raised by RM / Customer
MEGA INTERNATIONAL COMMERCIAL BANK COMPANY LTD. (MEGABANK)
Assistant Division Manager
Loans & Credit Department
February – November 2008
Handles both Corporate and Syndicated Accounts
Responsible for monitoring expiring key credit/loan documents
Prepares Credit Proposal of new and existing accounts
Reviews and evaluates Credit Report and Proposal
Supervises the processing and documentation of the accounts
Presents proposal to the Credit Committee for approval of the requested facility/ies
Reports status of the existing account/s to the Risk Committee
Ensures the completeness and timely submission of Credit reportorial requirements
MEGA INTERNATIONAL COMMERCIAL BANK COMPANY LTD. (MEGABANK)
Credit Assistant
Loans & Credit Department
November 2006 to February 2008
Responsible for monitoring completeness and updated status of all files of all borrowers;
Responsible for the safekeeping and custodianship of all loan and collateral documents;
Verifies all subsequent loan and collateral documents against required documents per latest approval;
Prepares a consolidated monthly report on all critical documents about to expire;
Responsible for checking incoming original loan and collateral documents for completeness;
Validates all requests for collateral release against approved policies and control procedures;
Retrieves loan and collateral documents requested for release;
Prepares reports on summary of collateral received / collateral released as required;
Facilitates and handles the appraisal and the registration of collateral offered as security
Prepares documents such as Credit Line Agreement, Continuing Suretyship Agreement, Real Estate
Mortgage Contract, Deed of Assignment, Agreement of Existing Mortgage based on the approval medium
for renewal / establishment of client’s credit line;
Prepares Credit and Account Profitability Analysis Reports for new and existing loan accounts
MEGA INTERNATIONAL COMMERCIAL BANK COMPANY LTD. (MEGABANK)
Loan Assistant
Loans & Credit Department
March 1998 to October 2006
Ensures all documents have been completed and submitted to the bank prior to loan release;
Sets up/updates appropriate Customer Information and Credit Line in the system
Ensures loan availments are within credit line amount and expiry date prior to booking of said
transactions;
Processes loan applications and preparation of required loan documents such as promissory note and
disclosure statement;
Computes loan proceeds, interest, rebates on interest payment, amortization, documentary stamp tax
and debits / credits the same to client’s CA/SA;
Monitors collection of payments and applies appropriate charges, in case of late payment;
Handles safekeeping / releasing of post dated checks to customer upon his / her request or applies said
check(s) to loan payment upon due date;
Sets up and maintains credit folders / documents / collateral;
Maintains and monitors the Consolidated Central Liability System & reconciles;
Prepares loan related reportorial requirements, both internal or external regulatory body;
Reclassifies loan accounts to Technical Past Due, Actual Past Due, Items in Litigation, Restructured,
ROPOA;
Processes loan restructuring;
PROFESSIONAL SKILLS AND ABILITIES
Knowledge in banks operating systems such as AS400, Banksys, Flexcube, BankVision, AMS and HRMS
Proficient in Microsoft Office (Word,Excel,Powerpoint,)
Knowledge in Accounting, financial and credit analysis.
Has background in most sorts of credit and loan documents
Ability to read and comprehend simple instructions, prepare correspondences and memos.
Ability to deal with problems involving a few concrete variables in standardized situations.
Ability to operate the following equipment: telephone, calculator, typewriter, personal computer and
printer, copy machine, shredder, scanner, laminator, fax machine.
EDUCATIONAL ATTAINMENT
SY 1993-1997
Bachelor of Science in Accountancy
University of the East, Manila
OTHER PERSONAL INFORMATION
Date of Birth :
Marital Status :
Nationality
:
Visa Status
:
April 29, 1977
Single
Filipino
Company Sponsor (Union National Bank)