Macky Lacanaria

MARICRIS D. LACANARIA B12 L38 La Terraza Phase B Bucandala 3 , Imus Cavite - / - PROFESSIONAL SUMMARY Highly analytical, deadline-driven as credit analyst who completes basic accounting activities with accuracy and speed. Proven experience in assessment of creditworthiness of client companies.  SKILLS  Proficient in Microsoft Office programs  Loyal and dedicated employee with an excellent (Word, Excel, PowerPoint)work record.  Excellent communication skills. Conscientious go-getter who is highly organized, dedicated, and committed to professionalism.  Highly adaptable, mobile, positive, resilient, patient risk-taker who is open to new ideas.  Strong time management skills and very keen to details. WORK HISTORY Credit Analyst 09/2008 to 4/2016 Concepcion-Carrier Air Conditioning Company – Km 20 East Service Road South Super Highway, Alabang Muntinlupa City  Created presentation formats for monthly/quarterly reviews of customer credit limits and terms.  Prepares credit reports based on customer strengths and weaknesses.  Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.  Evaluate customer records and recommend payment plans based on, payment history and purchase activity.  Complete client applications, including credit analysis and credit investigation, and submit to immediate superior for approval.  Generate financial ratios, using credit scoring template, to evaluate customers' financial status.  Review individual or commercial customer files to identify and select delinquent accounts for collection.  Assess credit risk and establish credit limits.  Analyze customer financial statements.  Maintain accurate credit files and collection files for each customer account.  Keeping company credit exposures within set risk. EDUCATION Bachelor of Science in Business Administration major in Management, 2001 City College of Manila – Escolta Manila