RELATIONSHIP MANAGER

Bank of the Philippine Islands (BPI); Laoag; On-site; PHP 700,000 - 1,000,000; Full time

Job summary

Bank of the Philippine Islands (BPI) in Laoag, Ilocos Norte seeks a Commercial Banking Relationship Manager to service large and middle‑market corporate clients. The role focuses on trust, timely financial solutions, and a positive client experience to drive profitability while complying with policies and regulations.

The RM will manage a client portfolio, pursue business growth, structure loan packages, collaborate with credit teams, and develop staff to meet bank objectives.

Qualifications

• Bachelor's degree in Banking, Accounting, Finance, or related field.
• Minimum of 3 years banking experience serving corporate accounts.
• Strong knowledge of markets, credit and lending, operations, risk management and commercial banking products.
• Familiarity with Philippine regulatory standards and compliance guidelines.

Responsibilities

• Portfolio Management – manages a portfolio of corporate clients and ensures profitability.
• Revenue Growth – achieves targets by business development and tailored solutions.
• Customer Experience – ensures a positive client experience through feedback and collaboration.
• Credit Collaboration – structures loan packages and ensures timely renewals with credit teams.
• Risk & Compliance – monitors credit quality and ensures regulatory compliance.
• People Development – trains staff to meet client expectations and bank objectives.

Skills

Banking knowledge

Credit & lending knowledge

Client relationship management

Regulatory compliance understanding

Education

Bachelor's degree (Banking/Accounting/Finance)

Tools

CRM systems

Credit assessment tools

Job description

The Commercial Banking Relationship Manager is responsible for managing the needs of large and middle‑market corporate clients. The role focuses on cultivating trust and partnership, positioning the RM as a key banker for both existing and potential clients. By delivering timely and appropriate financial solutions and ensuring a positive customer experience, the RM drives portfolio profitability while adhering to the Bank's policies and regulatory guidelines.

Core Responsibilities

• Portfolio Management – Manages a portfolio of corporate clients and ensures profitability. Cultivates trust and partnership through sales calls, client engagements, and visits, addressing client needs promptly and in compliance with regulatory and internal policies.
• Revenue Growth – Achieves income and volume targets by implementing business development strategies. Expands product penetration and wallet share through tailored solutions that enhance client satisfaction, retention, and competitive positioning.
• Customer Experience – Ensures a positive client experience by soliciting feedback, conducting competitive scans, and leveraging market intelligence. Works closely with product groups, channels, operations, legal, and compliance teams to drive product development and service enhancements.
• Credit Collaboration – Collaborates with Credit teams to structure loan packages and manage timely renewals. Negotiates terms and conditions with clients, ensures complete documentation, and assists in presenting accounts to credit‑approving bodies.
• Risk & Compliance – Monitors the credit quality of loan portfolios and ensures compliance with policies and standards. Develops recovery strategies for deteriorating loans and pursues options for loan recovery, escalating to the Special Account Management Department when necessary.
• People Development – Trains and guides Service Associates in daily activities to meet client expectations and achieve bank objectives.

Qualifications

• Bachelor's degree, preferably in Banking, Accounting, Finance, or other business‑related disciplines
• Minimum of 3 years of banking experience serving corporate accounts
• Strong knowledge of markets, credit and lending, operations, risk management, and commercial banking products and services
• Familiarity with Philippine regulatory standards and compliance guidelines