Account Officer

Bank of Makati, A Savings Bank; Manila; On-site; PHP 600,000 - 1,200,000; Full time

Job summary

Bank of Makati is seeking a dynamic Business Banking sales professional to drive new commercial loan client acquisition in SMEs and mid-market segments. You will manage the full sales cycle from prospecting to funding, conduct needs analyses, present tailored loan solutions, and develop a strong referral network in Metro Manila.

A strong sales track record and understanding of credit principles are essential.

Qualifications

• 3-5+ years of proven B2B sales experience, preferably selling financial products or commercial lending.
• Track record of meeting/exceeding sales targets for loan volume or new client acquisition.
• Experience with client calling and prospecting in the commercial space is essential.

Responsibilities

• Identify and solicit new commercial banking relationships through calls, networking, referrals, and events.
• Develop and execute sales plans to penetrate target markets and build a robust loan prospect pipeline.
• Manage full sales cycle from initial contact to closing and funding, coordinating with Credit for credit submission.

Skills

Sales excellence

Negotiation & closing

Financial acumen

Communication & presentation

Education

Bachelor's degree in Finance, Business Administration, Marketing or related

Job description

This role is centered on prospecting, acquiring, and onboarding new business clients for commercial loans (SMEs & mid-market). Success is measured by new loan volume, client acquisition, and revenue generation.

Qualifications

• Education: Bachelor’s degree in Finance, Business Administration, Marketing, or related field.
• Experience: 3-5+ years of proven, successful experience in B2B sales, specifically selling financial products/services OR commercial lending with a strong sales background.
• Demonstrable track record of meeting/exceeding sales targets for loan volume or new client acquisition.
• Experience with client calling and prospecting in the commercial space is essential.

Main Responsibilities:

1.New Client Acquisition (Core Focus):

• Proactively identify, target, and solicit new commercial banking relationships through client calling, networking, referrals, and industry events
• Develop and execute strategic sales plans to penetrate target markets
• Generate a well-established pipeline of qualified commercial loan prospects.

2.Needs Assessment & Solution Selling:

• Conduct in-depth discovery meetings with business owners/executives to understand their financial needs, growth plans, and challenges.
• Structure and pitch tailored commercial loan solutions

3.Sales Process Management:

• Manage the entire sales cycle from initial contact through closing and funding.
• Collaborate with Credit team to gather preliminary financial data and ensure timely credit application submission.
• Present loan proposals to prospects and negotiate terms effectively.
• Build and leverage a strong external network
• Stay abreast of industry trends, competitor offerings, and local economic developments.

Skills:

• Exceptional sales, negotiation, and closing skills.
• Strong ability to quickly understand complex business financials and lending needs.
• Outstanding communication, presentation, and interpersonal skills.
• Basic understanding of credit principles and commercial loan structuring.