Ralph Loveranes is a Credit Review Manager at Citi, where they utilize their expertise in credit analysis, underwriting, and mortgage banking. They previously served as an Account Specialist at Bahay Financial Services and held several positions, including Production Quality Analyst at JPMorgan Chase & Co. and Credit Officer at Banco de Oro, where they focused on underwriting and loan evaluation. Ralph earned a Bachelor's degree in Business Administration and Management from Ateneo de Manila University.
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