Relationship Manager

Bank of Commerce (Philippines); Mandaluyong; On-site; PHP 700,000 - 970,000; Full time

Job summary

Bank of Commerce (Philippines) is seeking a Relationship Manager in Metro Manila to drive business growth by acquiring and managing large, small, and medium corporate clients, aiming for targeted loan portfolio and profitability.

The role involves formulating marketing strategies, evaluating accounts, maintaining pricing competitiveness, packaging credit products, and cross-selling other bank services to meet client needs while managing risk and compliance.

Qualifications

• Duties include soliciting banking business from corporate customers to achieve loan portfolio and profit targets.
• Formulating marketing strategies and pre-evaluating target accounts.
• Maintaining competitive pricing and monitoring industry developments.
• Packaging credit products to meet client needs.
• Cross-selling other bank services to satisfy client needs in line with the total relationship concept.
• Implementing marketing call program.
• Monitoring customer relationships to assess performance against plans.
• Credit: preparing proposals, reviewing financial conditions, rating borrowers, and monitoring risk.
• Visiting clients regularly, especially in Metro Manila, with remote or out-of-town visits as needed.

Responsibilities

• Solicit banking business from corporate clients to achieve loan portfolio and profitability goals.
• Formulate marketing strategies and pre-evaluate target accounts.
• Maintain competitive pricing and monitor industry developments.
• Package credit products to meet client needs.
• Cross-sell other bank services within the total relationship concept.
• Implement marketing call program and monitor client relationships.

Job description

The Relationship Manager is responsible for driving business growth by acquiring and managing large, small, and medium corporate clients to achieve targeted loan portfolio and profitability goals.

II. Duties and Responsibilitie

• Marketing – Primarily responsible for soliciting banking business large/small and medium corporate customers to achieve predetermined loan portfolio and profit levels in compliance with the Budget Process. The Relationship Manager strategizes and implements
• The formulation of marketing strategies/plans and pre-evaluating possible target accounts
• The maintenance of the bank’s competitive position by constantly reviewing/implementing pricing strategies and monitoring of industry developments
• The effective packaging of credit products to meet client needs
• The cross-selling of other services of the Bank (other than Credit in order to totally satisfy and capture the needs of the customer such as fiduciary, corporate finance and non-lending/credit services in compliance with the total relationship concept of the Bank
• The proper implementation of the marketing call program
• The close monitoring of the status of customer relationship in order to assess actual performance on business volume and profitability vis‑a‑vis the account plan/budget
• .Credit – Responsible for maintaining a good quality loan portfolio through preparation of credit proposals for the granting and/or the renewal fo credit facilities within the required time frame;constant review/analysis of the respective financial condition of individual accounts; proper rating of borrower and regular review its risk rating; continuous updating of industry information/data/events/ trend and dynamics that may affect customer’s financial capabilities being sensitive to economic conditions and government policies that may affect a borrower’s business and the quality of our exposure
• Visiting the customer’s principal place of business on a regular basis If the account’s place of business (main office/satellite office) is Within Metro Manila – at least once a month, however, a client call or a phone call done monthly will suffice in lieu of a visi
• Out-of-town for clients whose main office is outside Metro Manila, the AO should at least conduct a visit once a yea