Relationship Manager

BDO Unibank; Cebu City; Presencial; PHP 600.000 - 900.000; Jornada completa

Descripción de la vacante

BDO Unibank in Cebu City seeks a client relationship professional responsible for the overall relationship with Commercial Accounts, generating business from existing and prospective clients and managing loan-and-trade-related relationships.

The role emphasizes portfolio growth, credit quality maintenance, and cross-selling bank products, supported by strong analytical, communication, and negotiation skills.

Formación

• College Graduate, preferably Business course.
• Sufficient and commensurate Account Management experience.
• Good Credit Evaluation and Analytical skills.
• Can formulate Account Plans and Strategies.
• Above-average verbal and written communication skills.
• Good interpersonal, time management, and negotiation skills.

Responsabilidades

• Solicit, develop, and originate new deals and business opportunities from existing and prospective accounts and manage the loan-and-trade-related relationship of the assigned portfolio.
• Analyze the current and prospective portfolio and prepare growth and profitability account strategies.
• Represent the Team/Bank’s interest in various bank events, internal meetings, industry, and professional gatherings in a dignified and professional manner.
• Familiar with Bank policies, operational procedures and transaction processes.
• Coordinate with support units on documentation requirements to ensure smooth implementation of approved credit proposals.
• Monitor and ensure clients’ compliance with documentary requirements.
• Inform Management of opportunities or threats to client relationships and recommend countermeasures.
• Alert Management of potential deterioration of clients’ credit condition and plan accordingly.
• Ascertain proper disposition and booking of fees and commissions due to and from clients.
• Guide and mentor Loans Assistants to improve servicing skills and initial credit and marketing efforts.
• Attend to client complaints and resolve concerns by elevating to appropriate unit.

Conocimientos

Account management

Credit evaluation

Analytical skills

Verbal communication

Written communication

Interpersonal skills

Time management

Negotiation skills

Educación

College degree in Business

Descripción del empleo

Responsible for the overall relationship of the Bank with the client, generate business from existing and prospect Commercial Accounts.

Manage and monitor accounts to ensure attainment of individual business and revenue targets, maintain portfolio credit quality and cross sell the Bank Products and Services.

DUTIES & RESPONSIBILITIES:

Marketing

• Solicit, develop, and originate new deals and business opportunities from existing and prospective accounts and manage the loan-and-trade-related relationship of his assigned portfolio.
• Analyze the current and prospective portfolio and prepare growth and profitability account strategies.
• Represent the Team/Bank’s interest in various bank events, internal meetings, industry, and professional gatherings in a dignified and professional manner.

Administrative

• Familiar with Bank policies, operational procedures and transaction processes.
• Coordinate with various support units on documentation requirements to ensure the smooth implementation of approved credit proposals and the transactions emanating from it.
• Monitor and ensure clients’ compliance with the documentary requirements.
• Inform the Management of opportunities or threats to client relationships and recommend countermeasures.
• Alert Management of possible deterioration of clients’ credit condition requiring a strategy/action plan and/or Remedial Management Unit transfer.
• Ascertain proper disposition and booking of fees and commissions due to and from clients within the time-frame allowed by Bank policies and procedures.
• Guide and mentor Loans Assistants to improve servicing skills and initial credit and marketing efforts.
• Attend to client’s complaints and recommends resolution of concerns/ issues by elevating to the proper person or unit to avoid dissatisfaction of clients.

Monitoring

• Prepare internal reports for Management and other units of the Bank as required, including but not limited to the following:

KEY QUALIFICATIONS

College Graduate, preferably Business course

Sufficient and commensurate Account Management experience

Good Credit Evaluation and Analytical skills

Can formulate Account Plans and Strategies

Above-average verbal and written communication skills

Good interpersonal, time management, and negotiation skills