- The document is a resume for Ma. Theresa Charisma G. De Los Reyes outlining her work experience and qualifications. She has 9 years of experience in retail lending at BPI Family Savings Bank, including roles as Manager of Credit Services, SME Designated Lending Officer, and Auto Designated Lending Officer. She also has experience in human resources and talent acquisition. Her responsibilities have included approving loans, analyzing client financial status, and managing loan personnel.