Hi there! My name is Donald and I am a versatile Filipino freelancer who can offer you professional help for your business. I was recently a Credit Underwriter/Analyst in one of the leading international banks in the world the Hongkong and Shanghai Banking Corporation I can say that the training I had was really tough from protecting the bank, the profit and the customer too by always looking at a bigger picture in every situation. Also checking or as much as possible avoiding reputational damage, financial loses and operational damages. What I do is to protect the interests of the bank by reviewing financial information provided by the applicant and credit agencies to determine whether the applicant meets the bank's criteria. Review applications for unsecured lending facilities like new credit, credit card limit increase, personal loans, overdrafts, and overdraft limit increase for UK customers. Responsible for gathering and analyzing financial data about clients, including paying habits or history, earnings, and savings information, and purchase activities. Calculate debt-to-income ratio by reviewing income documentation such as your tax returns and comparing income level with monthly debt obligations. Provide good judgment or discretion when determining whether the condition or the current circumstances of the lender is right to extend their lending. I have also worked for a financial institution in the US who specializes in helping customers improve their credit standing. I've developed my soft-phone skills and I can easily build rapport with clients whether through a phone call, chat or email. I was promoted as a Retention Specialist and had been on top of the achievers' list most times. My persuasion skills had been very good since then. Rest assured that I will be working very hard to help your company grow. I am a dedicated and passionate employee who always aims for great results and positive feedbacks. I want a long-term job, or let me say, career to support my dreams and my family.