Commercial Banking: Relationship Manager to Grow & Advise

UnionBank; Cebu City; On-site; PHP 600,000 - 900,000; Full time

Job summary

UnionBank in Cebu, Philippines, is seeking a Relationship Manager-Commercial Banking to grow and manage a portfolio of commercial clients, provide lending solutions, and maintain strong client relationships. You will balance business development, credit evaluation, and risk management to support the bank’s objectives while delivering exceptional client service.

The role involves evaluating credit applications, preparing CRAMs, presenting proposals to committees, and coordinating with Legal,

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, Accounting, or a related field.
• Experience in commercial banking, corporate banking, or lending is advantageous.
• Strong analytical skills to interpret financial statements and assess creditworthiness.
• Excellent communication, presentation, and relationship-building abilities with a client-focused mindset.
• Strong business development skills to identify opportunities and grow client relationships.
• Familiarity with banking regulations and credit risk management principles is advantageous.

Responsibilities

• Manage and grow an assigned portfolio of commercial banking clients through relationship management and business development activities.
• Identify, source, and acquire new loan and deposit relationships to meet portfolio growth targets.
• Evaluate credit applications and conduct financial and credit analysis of borrowers.
• Prepare CRAM and other credit assessment documents for approval.
• Present credit proposals and account recommendations to credit committees.
• Conduct client visits and business inspections to validate operations and assess risks.
• Monitor the financial condition and performance of borrowings and advise on actions as needed.
• Perform portfolio reviews and identify early warning signs on potentially problematic accounts.
• Coordinate with Legal, Collections, and other units to manage delinquent or high-risk accounts.
• Respond to client inquiries with strong relationship management and advisory support.
• Provide regular portfolio updates and account performance reports to management.
• Ensure compliance with credit policies, regulatory requirements, and risk standards.

Skills

Analytical skills

Communication skills

Relationship building

Business development

Regulatory familiarity

Education

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

Job description

UnionBank in Cebu, Philippines, is seeking a Relationship Manager-Commercial Banking to grow and manage a portfolio of commercial clients, provide lending solutions, and maintain strong client relationships. You will balance business development, credit evaluation, and risk management to support the bank’s objectives while delivering exceptional client service.

The role involves evaluating credit applications, preparing CRAMs, presenting proposals to committees, and coordinating with Legal,