Account Officer (Institutional Banking)

Chinabank PH; Philippines; On-site; PHP 240,000 - 420,000; Full time

Job summary

Chinabank PH is seeking an Account Officer to manage a portfolio of institutional clients, drive lending opportunities, and deliver holistic banking solutions.

You will build relationships, assess client needs, conduct financial analysis, and cross-sell products while ensuring compliance and risk management. This role offers exposure to diverse industries and opportunities for career growth within a dynamic bank.

Qualifications

• Bachelor's degree in Finance, Economics, Accountancy, Business, or related field.
• 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 building

Communication skills

Negotiation

Financial analysis

Credit evaluation

Microsoft Office

Education

Bachelor's degree

Tools

Microsoft Office

Job description

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.
• 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.