Relationship Manager

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

Job summary

BDO Unibank in Mandaluyong invites applications for an IBG Relationship Manager to oversee and grow relationships with institutional clients. The role focuses on understanding client needs and delivering BDO products and services to meet objectives, driving ADB, revenues and product utilization.

Ideal candidates have a finance/business background and at least two years’ RM experience, with strong analytical and negotiation skills, and proficiency in MS Office.

Qualifications

• Bachelor’s degree in Finance, Business Management/Administration, Accounting, or Economics from a reputable university.
• Preferably with at least two years’ experience as a Relationship Manager or RM Assistant.
• Experience in sales, marketing and account management.

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.
• 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.

Skills

Client acquisition

Credit analysis

Negotiation

Verbal communication

Business writing

Time management

Advanced Microsoft Office

Education

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

Tools

Microsoft Office

Job description

Mandaluyong City, National Capital Region, PH

Business Unit: Institutional Banking Group

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 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

Negotiation

Verbal communication, including the ability to network and build client relationships

Business writing

Time and activity management

Advanced Microsoft Office skills

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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: 29036

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