Ernel is a seasoned banker and has been part of the financial services industry in the last 20 years. He started his career with Metrobank in 1997 as a member of its Controllership group working on Cash and Commercial Management, International Office Transactions, Commercial Loans, Consumer Lending and Treasury’s recording and posting of transactions. In 2009, he joined Malayan Savings and Mortgage Bank, as a Financial Analyst and later became the head of the Credit and Appraisal Department. He was the President and General Manager of an Importer and Trading Company based in Quezon City prior to joining Unicapital Group as the Head of Loans and Credit Processing Unit in 2017. He was appointed as the company’s Head of Credit and Collection Department in 2019.

Mr. Manzano earned his BS Accountancy degree from the Colegio de San Juan De Letran- Manila.