Account Officer (Business & Commercial Loans)

Equicom Savings Bank, Inc.; Makati; On-site; PHP 600,000 - 850,000; Full time

Job summary

Equicom Savings Bank, Inc. in Makati seeks an Account Officer or Relationship Manager for Business/Corporate Banking to develop and expand relationships with SME and corporate clients.

You will market bank products, grow loans and deposits, assess credit proposals, and ensure high-quality client service within regulatory guidelines. Primary duties include acquiring clients, coordinating with Credit and Operations, preparing proposals, monitoring loan accounts, and supporting cash management

Qualifications

• Minimum 5 years’ experience in account solicitation, portfolio management, or credit evaluation (preferably in banking).
• Strong understanding of corporate finance, financial statements, and credit risk analysis.
• Excellent marketing, selling, and negotiation skills.
• Effective communication and interpersonal abilities to work with corporate clients and internal stakeholders.

Responsibilities

• Source, develop, and maintain relationships with SMEs and corporate clients.
• Identify client needs and recommend appropriate loan, deposit, and cash management solutions.
• Act as the primary contact person for assigned business and corporate accounts; manage client satisfaction through regular calls and reviews.
• Market and process business loans such as working capital, term loans, and equipment financing; prepare credit proposals for approval.
• Grow and manage corporate deposits and promote cash management services; coordinate with internal units for efficient servicing.
• Ensure adherence to BSP regulations, KYC/AML requirements, and internal controls; monitor credit risk and portfolio performance.

Skills

Relationship management

Analytical thinking

Negotiation

Account management

Team coordination

Target-driven

Communication

MS Office

Education

Bachelor's degree in Business, Finance, Accounting, Economics, or related field

Tools

Microsoft Excel

Microsoft Word

Job description

Position Title: Account Officer or Relationship Manager for Business / Corporate Banking

We are currently looking for an Account Officer, based in Makati City with the key task for developing, managing, and expanding relationships with business and corporate clients of Equicom Savings Bank.

The role focuses on marketing bank products, growing loan and deposit portfolios, evaluating credit proposals, and ensuring high-quality client service while complying with bank policies and regulatory requirements.

Key Duties and Responsibilities

Client Acquisition & Relationship Management

Source, develop, and maintain relationships with SMEs and corporate clients.

Identify client needs and recommend appropriate loan, deposit, and cash management solutions.

Act as the primary contact person for assigned business and corporate accounts.

Ensure client satisfaction through regular client calls, reviews, and follow-ups.

Credit & Loan Management

Market and process business loans such as working capital, term loans, and equipment financing.

Conduct initial credit assessment, including analysis of financial statements and business viability.

Prepare and submit credit proposals, loan applications, and account reviews for approval.

Monitor loan accounts to ensure timely repayment and compliance with loan covenants.

Deposit & Cash Management Services

Grow and manage corporate deposits (current, savings, and time deposits).

Promote cash management services such as payroll services, collections, and fund transfers.

Coordinate with internal units to ensure efficient account servicing and transaction processing.

Compliance & Risk Management

Ensure adherence to bank policies, BSP regulations, KYC/AML requirements, and internal controls.

Assist in resolving account issues, documentation deficiencies, and audit findings.

Monitor account performance and report early warning signs of credit risk.

Coordination & Reporting

Coordinate with Credit, Operations, Treasury, and other support units for account servicing.

Prepare regular portfolio reports, sales updates, and performance reviews.

Participate in marketing activities, client events, and business development initiatives.

Qualifications

Bachelor’s degree in Business, Finance, Accounting, Economics, or related field.

At least 5 years’ experience in account solicitation, portfolio management, or credit evaluation (preferably in banking), account management and business SME transactions.

Strong understanding of corporate finance, financial statements, and credit risk analysis.

Excellent marketing, selling, and negotiation skills.

Effective communication and interpersonal abilities to work with corporate clients and internal stakeholders.

Proficiency in Microsoft Office (Excel, Word) and financial analysis tools.

Skills & Attributes

• Ability to build and maintain client relationships
• Strong analytical and decision-making capabilities
• Results-driven with attention to credit quality and risk controls
• Team player and able to coordinate across departments
• Self-motivated with a commitment to achieving targets