Commercial Banking Relationship Manager

4 weeks ago

Pasig, National Capital Region, Philippines Bank of the Philippine Islands Full time

The Commercial Banking Relationship Manager is responsible for managing the needs of large and middle market corporate clients. They are assigned to: (a) cultivate trust and partnership and be designated as one of the top bankers of their existing and potential corporate clients; (b) grow the profitability of their portfolio of accounts by providing timely and appropriate financial solutions; and (c) ensure a positive customer experience with the bank, all within the bank's policies and guidelines.

Portfolio Management – The Relationship Manager is responsible for managing a portfolio of corporate clients and ensuring profitability. They are expected to cultivate trust and partnership with their clients by initiating sales calls, client engagements, and visits to ensure that all client needs are properly addressed in a timely manner, adhering to regulatory and internal policies.

Revenue and Income Growth – Relationship Managers ensure attainment of income and volume targets through implementation of business development strategies and initiatives that enhance the breadth and depth of the product portfolio in response to corporate clients' needs. This will help in achieving and sustaining competitive positioning in the market, resulting in optimization of customer satisfaction, retention, and wallet share.

Customer Care – Relationship Managers ensure a positive customer experience with the bank by constantly soliciting customer feedback, conducting competitive scans, and gathering market intelligence. They work closely with product groups, channels, operations, legal, and compliance units in the bank toward achieving this objective. The RM's insights and close collaboration with the Bank's internal units are key to relevant product development and service enhancement.

Loan Negotiation, Documentation, and Administration – Relationship Managers collaborate with Credit partners in structuring loan packages and timely renewals. They also negotiate line terms and conditions with clients, ensuring complete documentation and setup of credit approvals. Additionally, they assist Credit partners in presenting accounts to the Bank's credit approving bodies.

Monitoring Loan Portfolio Credit Quality – Relationship Managers are responsible for monitoring the credit quality of the loan portfolio and ensuring full compliance with credit policies and standards. Should a loan deteriorate in credit quality or become past due, the RMs strategize and pursue options for loan recovery. After exhausting all efforts, they are responsible for passing recovery efforts to the Special Account Management Department.

People Management – Large Corporates Relationship Managers are responsible for training the Service Associate on day-to-day activities to achieve client expectations and bank goals.

Qualifications:

  • Open to being assigned in any of the following locations: Binondo, Caloocan, Ortigas
  • College graduate preferably with a degree in a business-related discipline such as Banking, Accounting, or Finance
  • At least 3 years of banking experience serving commercial accounts either as part of service staff, account management, products, or channels and/or related disciplines
  • Knowledge in markets, credit and lending, operations, credit policies, risk management, and commercial banking products and services to enable cross-selling
  • Knowledge of Philippines regulatory standards and compliance guidelines
  • Knowledge of working with commercial clients
Seniority level
  • Mid-Senior level
Employment type
  • Full-time
Job function
  • Banking
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