Department Head - Business Banking Lending

RCBC; Makati; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

RCBC is seeking an experienced banking professional to lead a team of Relationship Managers and Associates. You will implement marketing and account management strategies to deliver bank products to commercial and SME clients, while thoroughly reviewing and endorsing credit proposals to appropriate authorities.

The role requires strong leadership, deep knowledge of credit analysis, and the ability to ensure adherence to regulatory requirements while maintaining high credit quality.

Qualifications

• Ten years of experience in credit analysis and account management.
• Working knowledge of credit analysis, bank products/services, banking regulations and related legal docs.
• Leadership and supervisory abilities.
• Strong decision-making and organizational planning skills.

Responsibilities

• Implements and monitors strategies as directed by Group Head and Division Head; manages a team of RMs/RAs.
• Oversees marketing plans and account management to meet center profit objectives and bank targets.
• Directly manages key accounts and solicits new business; participates in client calls and inspections.
• Monitors RM performance, reviews monthly results vs targets, and develops improvement plans.
• Ensures credit proposals are accurate and adhere to policies/regulations; presents to Crecom/Excom/Board.

Skills

Credit analysis

Account management

Leadership

Decision-making

Planning

Organizational skills

Banking regulations

Marketing

Job description

Job Summary

• Implements and monitors strategies as mandated / initiated by the Group Head and Division Head. Directly manages activities of a team of Relationship Managers (RMs) / Relationship Associates (RAs). Responsible for the marketing and delivery of bank products and services to commercial and SME customers with the objective of deriving profits for the Bank. Thoroughly/extensively reviews, assesses and endorses credit proposals to the proper endorsing / approving body.

How will you contribute?

• Implements marketing plans, strategies, action plans and objectives in line with the annual budget. Executes effective plans in achieving the center's profit objectives and other goals which contribute to overall group and Bank targets.
• Oversees and applies the marketing and account management activities of Relationship Managers through monitoring cross-selling efforts, coordination of daily transactions, solicitation and completion of deals.
• Directly manages key accounts and solicits new businesses for the Center. Joins client calls/ocular inspections.
• Supervises and monitors Relationship Managers' performance to ensure compliance with targets set. Reviews actual monthly performance vis-a-vis targets. Determines whether performance is below or above the target for respective RMs to be able to identify specific areas for improvement and come up with specific plans for each RM.
• Ensures all credit proposals are accurate by thoroughly reviewing credit applications prepared by Relationship Managers. Ensure adherence to established credit policies / regulatory requirements and maintains high credit quality of loan portfolios. Reviews customers' requirements, organization's capabilities, industry competition, and the general business environment. Approves / recommends credit proposals to higher credit authorities. Attends/presents to Crecolcom / Excom / Board.

What will make you successful?

• Ten (10) years industry experience in the areas of credit analysis and account management.
• Working knowledge of credit analysis, common bank products / services, banking regulations and respective legal documentation, marketing of corporate banking products / services.
• Leadership and supervisory skills.
• Decision-making skills.
• Organization and planning.