Martin Balupa
Student
Ialibu,Southern Highlands
Summary
Proven in enhancing customer satisfaction and streamlining loan processes at PNG Microfinance Ltd, I excel in database management and relationship building. Achieved significant growth in loan originations, leveraging skills in financial advising and client relations. Adept at credit analysis and negotiation, consistently driving positive outcomes and financial success. Professional with solid background in financial industry, prepared for this role. Skilled in loan assessment, risk analysis, and customer service, ensuring optimal client satisfaction and compliance. Strong focus on team collaboration and adaptability, enabling effective response to changing business needs. Reliable and results-driven, consistently contributing to organizational success. Experienced with assessing loan applications and determining creditworthiness. Utilizes comprehensive financial knowledge to guide clients through loan process. Strong understanding of regulatory compliance and risk assessment.
Overview
14
14
years of professional experience
Work History
Loans Officer
PNG Microfinance Ltd (PML)
08.2018 - 10.2019
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Submitted loan applications to underwriter for verification and recommendations.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Accounts Clerk
New Britain Palm Oil Ltd (NBPOL)
03.2012 - 10.2015
- Set up and updated Excel spreadsheets to track financial data.
- Input financial data and produced reports using [Software].
- Completed accurate bank reconciliations, identifying errors and rectifying any discrepancies promptly.
- Ensured prompt payment of invoices, negotiating with vendors to secure favourable terms and discounts.
- Supported payroll administration functions to ensure employees received accurate compensation on time each pay period.
- Safeguarded company assets through regular inventory checks, reconciliation, and effective asset management practices.
- Assisted management in making informed decisions by providing clear financial analysis on performance metrics and trends.
- Processed payments and documents such as invoices, journal vouchers, employee reimbursements, and statements.
- Supported management by processing invoices and documents with consistent on-time delivery.
- Effectively communicated with clients about payment needs and kept updated, detailed and accurate ledgers.
- Provided exceptional customer service to both internal departments and external clients while resolving billing inquiries efficiently.
- Reduced discrepancies in financial reports by conducting thorough account reconciliations and adjustments.
- Completed bi-weekly payroll for company employees.
- Collaborated closely with team members to complete complex projects within tight deadlines.
Lending Officer
MiBank Ltd
07.2009 - 03.2012
- Managed a diverse portfolio of loans, ensuring timely payments and addressing any delinquencies or issues proactively.
- Spearheaded initiatives to streamline internal processes, leading to increased productivity among team members.
- Streamlined the loan application process for smoother customer experiences and quicker turnaround times.
- Reviewed loan documentation for accuracy and completeness, reducing processing errors and expediting approvals.
- Developed strong relationships with borrowers, providing exceptional customer service and fostering trust throughout the lending process.
- Achieved consistent growth in loan originations through proactive outreach and relationship building with prospective clients.
- Conducted thorough financial analyses to identify potential risks and opportunities within clients'' portfolios, optimizing their lending experience.
- Increased loan approval rates by efficiently assessing borrower profiles and accurately determining creditworthiness.
Microfinance Field Assistant
National Development Bank (NDB)
04.2006 - 06.2009
- Worked long days outside despite adverse weather, completing projects with caution and attention to meticulous data collection.
- Facilitated knowledge sharing among team members via regular updates on progress or challenges encountered during fieldwork activities.
- Ensured timely completion of projects by managing schedules, resources, and deadlines for multiple concurrent tasks.
- Maintained a safe working environment by adhering to safety protocols and guidelines while conducting fieldwork.
Education
Bachelor - International Business Management
Western Pacific University
Ialibu, Southern Highlands Province03.2026
Appraisals - Certificate in Microfinance
PNG Institute of Banking And Business Management
Port Moresby, NCD, Papua New Guinea10.2011
No Degree - Business Studies Accounting
Divine Word University
Madang, Madang Province, Papua New Guinea10.2005
High School Diploma -
St. Peter Chanel College
Ulapia, Kokopo, East New Britain Province, PNG11.2003
High School Diploma -
Bialla Provincial High School
Bialla, West New Britain Province, Papua New Guine12.1999
Skills
- Database Management
- Relationship building and management
- Documentation Review
- Financial Advising
- Client Relations
- Credit analysis
- Customer service-focused
- Loan Servicing
- Consumer Lending
- Negotiation Techniques
- Financial Services
- Loan Origination
- Banking
- Team Player
- Loans
- Debt Restructuring
Certification
Certificate in Higher Education Foundation Studies at Western Pacific University in Ialibu, Southern Highlands Province, Papua New Guinea.
Accomplishments
A team player with vast employment experience in the banking and finance sector.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Loans Officer
PNG Microfinance Ltd (PML)
08.2018 - 10.2019
Accounts Clerk
New Britain Palm Oil Ltd (NBPOL)
03.2012 - 10.2015
Lending Officer
MiBank Ltd
07.2009 - 03.2012
Microfinance Field Assistant
National Development Bank (NDB)
04.2006 - 06.2009
Bachelor - International Business Management
Western Pacific University
Appraisals - Certificate in Microfinance
PNG Institute of Banking And Business Management
No Degree - Business Studies Accounting
Divine Word University
High School Diploma -
St. Peter Chanel College
High School Diploma -
Bialla Provincial High School
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