Relationship Manager

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

Job summary

BDO Unibank, Inc. is seeking an IBG Relationship Manager to manage institutional client relationships and develop new business opportunities in the Philippines. The role emphasizes understanding clients’ needs and delivering BDO products and services to support growth.

The RM will lead account planning, monitor credit risk, and ensure timely, compliant proposals and documentation. Strong communication and analytical skills are essential for success.

Qualifications

• Bachelor's degree in Finance, Business Management/Administration, Accounting, or Economics.
• Preferably with at least two years' experience as a Relationship Manager.

Responsibilities

• Manage and develop client relationships to increase utilization of bank products and services.
• Cross-sell to clients and address concerns/complaints promptly.
• Formulate client Account Plans and monitor portfolio credit risk.
• Prepare credit proposals and present to committees for approval.
• Ensure proper documentation and timely monitoring of maturities and renewals.

Skills

Client acquisition

Credit analysis

Business development

Negotiation

Verbal communication

Business writing

Time management

MS Office

Education

Bachelor's degree in Finance/Business/Accounting/Economics

Tools

RM tools

Job description

Job Description:

Job Mandate

The IBG Relationship Manager (RM) manages the overall relationship of the Bank with existing institutional customers and the development of relationships with prospective clients. The RM leverages on a thorough understanding of the client's business needs, objectives and financial strategies to effectively and efficiently deliver BDO products and services that support these needs, translating to increased Loan ADB, Revenues and utilization of BDO products.

Responsibilities

Account Management

• 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 limitied to correct tagging of accounts in various BDO Systems.

• Ensure timely and accurate submission of required reports, including all memos.
• Ensure systematic and orderly storage of collected client information including but not limited to Call Reports, Account Plans, and other applicable documents.

Qualifications

Education

• Bachelor's degree, preferably in Finance, Business Management/Administration, Accounting, or Economics from a reputable university.
• Preferably with at least two years' experience as an Relationship Manager or RM Assistant.

Work Experience

• Established experience in sales, marketing and account management.

Knowledge Area

• Market, Regulatory, Business and Industry Understanding
• Competitor knowledge

Skills

• Client acquisition
• Strong credit and analytical skills
• Business development
• Negotiation
• Verbal communication, including the ability to network and build client relationships
• Business writing
• Time and activity management
• Advanced Microsoft Office 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.