Account Officer (Institutional Banking)

China Bank PH; Philippines; On-site; PHP 500,000 - 750,000; Full time

Job summary

China Bank Philippines is seeking an Account Officer to manage and grow a portfolio of institutional clients, driving lending opportunities and holistic banking solutions. You will build relationships, assess needs, prepare credit proposals, and cross-sell deposits, cash management, treasury and other services.

The role offers exposure to diverse industries and opportunities to advance within a dynamic banking environment.

Qualifications

• Bachelor's degree in Finance, Economics, Accountancy, Business, or related field.
• 3–5 years of corporate or commercial banking as an Account Officer or Relationship Manager.
• Experience in banking, account management, credit evaluation, or financial analysis is an advantage.
• Strong relationship-building, communication, and negotiation skills.
• Analytical mindset with good business writing and presentation skills.
• Proficient in Microsoft Office applications.

Responsibilities

• Build and manage relationships with institutional clients to grow the business portfolio.
• Assess client needs and recommend appropriate financing and banking solutions.
• Conduct financial analysis and prepare credit proposals for new and existing facilities.
• Cross-sell banking products such as deposits, cash management, treasury, trust, and insurance solutions.
• Monitor portfolio performance, credit quality, and compliance with bank policies and regulations.

Skills

Relationship Management

Corporate Banking

Credit Evaluation

Financial Analysis

Negotiation

MS Office

Education

Bachelor's degree in Finance, Economics, Accountancy, or Business

Tools

Microsoft Office

Job description

About You & the Role

As an Account Officer, you will manage and expand a portfolio of institutional clients while driving lending opportunities and holistic banking solutions.

What You Will Be Doing

• Build and manage relationships with institutional clients to grow the business portfolio.
• Assess client needs and recommend appropriate financing and banking solutions.
• Conduct financial analysis and prepare credit proposals for new and existing facilities.
• Cross-sell banking products such as deposits, cash management, treasury, trust, and insurance solutions.
• Monitor portfolio performance, credit quality, and compliance with bank policies and regulations.

What Success Looks Like

• Achieves portfolio growth and revenue targets.
• Generates new client relationships and business opportunities.
• Delivers excellent client service while managing credit risk.
• Expands client relationships through cross-selling initiatives.
• Maintains a healthy and compliant loan portfolio.

Qualifications We Value

• Bachelor's degree in Finance, Economics, Accountancy, Business, or a related field.
• 3-5 years experience in Corporate or Commercial Banking as an Account Officer / Relationship Manager
• Experience in banking, account management, credit evaluation, or financial analysis is an advantage.
• Strong relationship-building, communication, and negotiation skills.
• Analytical mindset with good business writing and presentation skills.
• Proficient in Microsoft Office applications.

What You Can Expect Here

• Exposure to diverse industries and institutional clients.
• Hands-on experience in lending, portfolio management, and business development.
• Opportunities to learn from experienced banking professionals.
• Cross-functional collaboration across various business units.
• A dynamic environment that supports professional growth and career advancement.