Senior Relationship Manager

2 weeks ago


Makati City, National Capital Region, Philippines Security Bank Corporation Full time

JOB SUMMARY

Develops client portfolio of accounts to deliver budgeted goals and targets thru cross-sell of bank products and new account on-boarding. Achieves revenue goals by approved account planning, account profitability and risk management metrics.

DUTIES AND RESPONSIBILITIES

Analytical and Critical Thinking

1. Prepares credit proposals alongside Enterprise Risk Manager/Analyst and presents them to the Bank's Credit

Committee by orchestrating proper credit due diligence on account. Presents a balanced view of risk to approving authority to address clients' credit facility requirements.

Client Relationship Management

1. Collaborates and orchestrates deals or client transactions, internally and externally, to build a strong relationship resulting in booking new transactions with ease.

Governance, Control and Risk Management

1. Keeps updated with the credit policy and its revisions and enhancements by collaborating with Credit in updating

and formulating new credit policies to ensure compliance with the Bank's credit policies as well as all other governing policies for transactions that are processed and recommended.

Leadership/Management

1. Oversees Jr. Relationship Managers by coaching and mentoring on account strategy and transaction handling in order to achieve the Team's goals.

Market Research and Business Intelligence

1. Benchmarks and networks with other bank's Account Officers by gathering vital information regarding accounts and industry practices to develop industry/sector knowledge and to be updated with banking practices

Needs Analysis and Solution Matching

1. Identifies, on-boards and develops new client relationships per defined target market by cross-selling appropriate

bank products to grow the portfolio and achieve set budgets/goals in terms of Loans, Deposit, Foreign Exchange (FX), Trade, DCM, etc.

2. Develops industry and product expertise by providing solutions to clients' banking needs and cross-selling SBC's banking solutions to deepen wallet share of existing client portfolio and develop new to bank client relationships.

3. Develops account plan using an Account Plan Cross-sell Grid to ensure that products are cross-sold across client relationships and to avoid single product client relationship.

Portfolio/Investment Management

1. Manages and grows existing loan portfolio by maximizing wallet share and potential revenues of existing client portfolio, full facilitation of client transactions, identification and management of problem accounts, (preparation of watch list reports with action plans, proper classification of accounts for the right provisioning level, and timely referral to Remedial Management Department (RMD) when all possible collection efforts have been exhausted

to achieve set budgets/goals in terms of Loans, Deposit, Foreign Exchange (FX), Trade, DCM, etc.

2. Ensures account/portfolio profitability in accordance with set budget parameters by pursuing and completing revenue accretive transactions. Employs account planning, account profitability and risk mitigating metrics towards a balanced client relationship to establish a profitable and multi-product relationship with clients.

JOB QUALIFICATIONS

Years of Related Experience 3 - 4 years of experience

Competencies

Good knowledge on credit, credit structuring, credit policies, transactional procedures, and product features.

Knowledge on regulatory aspects of lending and banking, and legal documentation.

Good interpersonal, marketing, and analytical skills.


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