Account Officer (SME) - Marikina

Maybank; Marikina; On-site; PHP 360,000 - 600,000; Full time

Job summary

Maybank invites applications for a Relationship Officer (SME) to grow and manage a profitable SME portfolio. You will acquire new clients, deepen existing relationships, and structure credit facilities while cross-selling banking products.

The role emphasizes credit assessment, timely renewals, and portfolio management to ensure asset quality and regulatory compliance.

Qualifications

• Graduate of any Bachelor's/College Degree program.
• At least 2 years of relevant work experience.
• Banking background in lending, account management and credit evaluation is an advantage.

Responsibilities

• Acquire new SME clients and expand existing borrower relationships.
• Cross-sell Auto Loans, Personal Loans, Home Loans and Deposit products.
• Assess creditworthiness and prepare credit proposals for approval.
• Coordinate account servicing and renewal processes with relevant units.
• Monitor portfolio quality and manage risk to prevent NPLs.

Skills

Strategic thinking

Leadership

Management capabilities

Credit evaluation

Lending

Account management

Education

Bachelor's degree

Job description

The Relationship Officer for SME is responsible to acquire, develop and manage profitable, good-quality SME relationships by prospecting and converting new-to-bank opportunities, expanding existing borrower relationships, assessing creditworthiness, structuring and packaging appropriate credit facilities, cross-selling relevant bank products, and ensuring effective account servicing, timely renewals, asset-quality preservation and compliance with bank and regulatory requirements. Also, role supports SME Banking growth by balancing business generation and relationship profitability with sound credit, risk and portfolio-management discipline.

How you can contribute

A. Business Development and Client Acquisition

• Achieves assigned business targets through a portfolio that is income-generating and of acceptable quality.
• Sources potential SME clients through the bank ecosystem, branch and existing-client referrals, and own-generated leads.
• Conducts client calls, project visits and business-development activities independently or jointly with the SME Manager, Branch manager or referring personnel.
• Identifies client needs and business opportunities and develops suitable banking packages intended to support account profitability and continuing relationships.
• Acquires new-to-bank business while maintaining responsibility for developing existing clients.

B. Existing Portfolio Growth and Relationship Management

• Reviews existing borrower relationships for line increases, additional facilities and other business opportunities.
• Cross-sells applicable bank products, including Auto Loans, Personal Loans, Home Loans and Deposit products.
• Maintains continuing client contact and addresses account concerns, documentary deficiencies and receivable collection requirements.
• Applies approved ADB and pricing requirements and obtains appropriate approval for any waiver request.

C. Credit Assessment, Proposal Preparation and Approval Coordination

• Establishes the overall creditworthiness of prospective and existing borrowing relationships before submission to the approving body.
• Initiates property appraisal and/or credit investigation and reviews the resulting reports.
• Prepares the Application for Accommodation in coordination with RSCC and LAD.
• Packages credit proposals in accordance with bank, BSP and other regulatory guidelines.
• Checks whether accounts are DOSRI or related-party transactions and ensures applicable handling requirements are followed.
• Secures credit-proposal approval from the proper approving authorities.

D. Account Implementation and Servicing

• Coordinates implementation and servicing with LAD, Accounting, Legal, RCC and other relevant support units.
• Follows through on insurance-policy submission for newly booked accounts and renewal of coverage upon expiry, where applicable.
• Ensures timely collection of receivables, completion of documentary deficiencies and resolution of client-account concerns.
• Ensures accurate SME and Agri-Agra tagging.

E. Portfolio Monitoring, Renewals and Asset Quality Management

• Ensures OAAs are renewed and implemented on time.
• Monitors loan payments, maturities and renewal schedules and presents renewal requests early enough to avoid account delinquency.
• Monitors and classifies accounts promptly to preserve asset quality.
• Develops and follows through on necessary action plans for accounts requiring early care, with close monitoring intended to prevent migration to NPL.

Your Profile

• Graduate of any Bachelor's/College Degree program.
• With at least 2 years of relevant work experience.
• Demonstrates strong strategic thinking, leadership, and management capabilities.
• Banking experience with a background in lending, account management, and credit evaluation is an advantage.