Resume – Credit Evaluation Head

Angelica Victoria B. Viloria
Email: angel@viloria.com | http://www.viloria.com

Interests: Credit Analysis and Evaluation, Investor Relations, Corporate Communications, Training and Development, Research / Consultancy

February 2006 to August 2006
Continuing functions below as Head of Credit Rating (Consultant), PhilRatings

January 1999 to January 2006
Vice President, Philippine Rating Services Corporation (PhilRatings)
[previously a unit of CIBI]

Credit Rating Experience: Handled a team of as many as ten credit rating analysts who produced Credit Rating Reports covering the following: Food and Beverage, Property Development, Conglomerates, Telecommunications, Banks, Local Government Units, Infrastructure, Services. Reports covered 180 issues, valued at P180+ billion. Interviewed CFOs and CEOs as part of the rating process. Was responsible for the development and documentation of rating criteria on a per industry basis; streamlining of the credit rating process; establishment and strengthening of a formal monitoring system for credit rating.

In doing and reviewing the credit rating reports, the following areas were looked into to the extent that they affect the company’s creditworthiness: industry prospects and issues; competitive position; management quality and appropriateness of strategic plans; as well as financial and operating performance. The monitoring of actual performance versus set goals and targets was also done.

Business Development Experience: Met 1,280 people as a result of giving 672 presentations over the past 7 years. Achieved a 26% conversion rate. Developed and introduced new credit rating services: banks, local government units, corporate credit ratings, asset-backed securities, credit indicators

Research and Publications Experience: Three publications monthly focusing on New credit ratings and the Monitoring of existing ratings. Subscriber base includes banks, corporates, and investment houses.

April 1995 – December 1998: Asst Vice President, Credit Information Bureau, Inc. (CIBI)
July 1993 – April 1995: Department Manager, Credit Rating Service, CIBI
March 1993 – July 1993: Supervising Credit Analyst, CIBI
September 1992 – March 1993: Senior Analyst, CIBI
June 1988 – May 1992: Faculty, U.P. College of Business Administration

Educational Background
» Master of Business Administration, 1991, University of the Philippines, Diliman, Quezon City. Ranked number 2.
» B.S. Economics, 1988, University of the Philippines, Diliman, Quezon City. Magna cum laude.

Training / Seminars Attended
» ACRAA Training Workshop on Rating of Securitisations, Malaysia, 2005
» ACRAA Training Workshop on Credit Ratings for General Insurance Companies, Malaysia, 2004
» ACRAA Training Workshop on Financial Analysis of Banks, India, 2003
» Rating Agency Malaysia Conference on Asset Securitization, Malaysia, 2001
» AFCRA Training Workshop on the Rating of Banks and Finance Companies Under Stressful Conditions, Manila, Philippines, July 1999
» Attended Standard & Poor’s University, New York, USA, Fall 1997
» AFCRA Training on the Ratings of Property and Insurance Companies, Cebu, Philippines, Jan 1997
» AFCRA BOO/BOT Project Financing Workshop, Bali, Indonesia, Oct 1995
» AFCRA Workshop on Bank Credit Rating, Manila, Philippines, Feb 1995