Relationship Manager

BDO Unibank; Angeles; On-site; PHP 600,000 - 1,200,000; Full time

Job summary

BDO Unibank, Inc. is seeking a seasoned Relationship Manager for Corporate, Commercial and SME loans in Angeles, Philippines.

You will develop client relationships, analyze credit data, prepare proposals, and present to committees while ensuring compliance and timely delivery.

The role requires 3–5 years of experience, a business degree, and strong communication and analytical skills.

Qualifications

• Bachelor’s degree in a business-related field.
• 3–5 years’ experience as a Relationship Manager for Corporate, Commercial or SME loans.
• Excellent credit analysis and communication skills.

Responsibilities

• Manages and develops client relationships to increase utilization of bank products through cross-selling.
• Interacts with clients to understand operations and markets.
• Formulates client Account Plans.
• Monitors credit risk by analyzing financial data and making recommendations.
• Identifies red flags and informs the Team Head as needed.
• Ensures accuracy of information for credit proposals in line with policy.
• Presents to committees to secure approval.
• Ensures smooth implementation of approved proposals and monitors maturities and renewals.
• Attains Loan ADB, profitability and other targets as mandated.

Skills

Credit analysis

Communication skills

Education

Bachelor's degree (Business)

Job description

Job Description

Responsibilities

• Manages and develops client relationships to initiate and increase utilization of bank products and services through cross‑selling and ensures client concerns/complaints are addressed in a timely manner.
• Regularly interacts with clients to understand their operations and markets.
• Formulates client Account Plan.
• Monitors and manages credit risk of portfolio by analyzing financial data and other relevant information, and making appropriate recommendations.
• Identifies red flags and informs the Team Head/Unit Head, when needed.
• Ensures accuracy and relevance of information provided in conducting timely preparation and completion of credit proposals in line with bank policies;
• Effective presentation to relevant committees to secure approval.
• Ensure smooth implementation of approved proposals and transactions emanating from them including but not limited to proper documentation and regular monitoring of maturities, repricings, PN renewals and paydowns.
• Attain Loan Average Daily Balance (ADB), Profitability and other targets as mandated by Management.

Administrative

• Ensure compliance with internal and external (regulatory) regulations, policies and procedures including but not limited to correct tagging of accounts in various BDO systems.
• Ensure timely and accurate submission of required reports, including call memos.
• Ensure systematic and orderly storage of collected client information including but not limited to Call Reports, Account Plans and other applicable documents.
• Ensures timely, accurate and well-thought-out responses to audit requests and queries.
• Mentor Relationship Manager Assistants on account servicing and report preparation.

Perform other tasks that may be assigned by Management from time to time.

Qualifications

• Bachelor's degree, preferably in Business
• at least 3-5 years’ experience as a Relationship Manager for Corporate, Commercial or SME loans
• Excellent credit analysis and communication skills

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability. Requisition ID: 30256