Lending Center Head - Business Banking

RCBC; Baguio; On-site; PHP 1,200,000 - 2,400,000; Full time

Job summary

RCBC is seeking a Senior Manager in Credit and Relationship Management to lead a team of Relationship Managers and drive profitability through strategic marketing of bank products and effective credit proposal endorsements. You will review proposals, ensure regulatory compliance, and present to senior committees.

The role requires extensive experience in credit analysis and account management, with strong leadership, planning, and decision-making abilities to optimize loan portfolios and client

Qualifications

• At least 10 years in credit analysis and account management.
• Strong knowledge of credit analysis and banking regulations.
• Experience in corporate banking products and services.
• Proven leadership and supervisory skills.
• Excellent decision-making and planning abilities.

Responsibilities

• Implements and monitors strategies as mandated/initiated by Group Head and Division Head; directly manages RM/RA team.
• Marketing and delivery of bank products/services to commercial and SME customers to derive profits for the Bank.
• Reviews, assesses and endorses credit proposals to proper endorsing/approving body.
• Oversees and applies marketing and account management activities of Relationship Managers; cross-selling, daily transactions, solicitation and deals.
• Directly manages key accounts and solicits new business; joins client calls/ocular inspections.
• Supervises RM performance; reviews monthly performance vs targets; identifies improvement areas and creates plans for each RM.
• Ensures all credit proposals are accurate; reviews applications; adheres to credit policies/regulatory requirements; approves/recommends to higher authorities; attends Crecolcom/Excom/Board.

Skills

Credit analysis

Account management

Leadership

Decision making

Planning & organization

Banking regulations knowledge

Marketing of corporate banking

Job description

• 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.

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.