Relationship Manager - Business Banking

RCBC; Baguio; On-site; PHP 600,000 - 900,000; Full time

Job summary

RCBC in the Philippines seeks a Commercial Lending professional to generate new commercial loans, grow the existing portfolio, and ensure asset quality. You will assess client credit, market bank products, and provide professional account management to meet portfolio growth and profitability targets.

The role requires strong financial analysis, knowledge of trade payments, and the ability to establish lasting client relationships while adhering to Bank policies and regulations.

Qualifications

• Bachelor's degree in Economics, Business, Accounting, or Commerce. Post-graduate degree (MBA, MA) preferred.
• Knowledge of trade payments/practices, bank policies, profitability/financial analysis, and credit approval prep.
• Two years banking experience or five years in other industries.
• MS Office proficiency; marketing and presentation skills; strong oral and written communication; interpersonal skills.

Responsibilities

• Conducts credit evaluation of accounts, including client calls and ocular inspections.
• Recommends establishment of credit facilities in line with Bank policies and analyses client business, financial capacity, collateral, and profitability.
• Improves loan portfolio quality and maximizes return on resources.
• Solicits credit-worthy accounts by identifying target markets and marketing bank products and services with tailored financial packages.
• Develops and reviews existing credit facilities annually; strengthens relationships with prime accounts and expands deposits and collateral business.

Skills

Credit evaluation

Relationship management

Market analysis

Communication skills

Presentation skills

Education

Bachelor's degree in Economics, Business, Accounting, or Commerce

Tools

MS Office

Job description

Job Summary

Generate new commercial loans for the Bank, develop existing loan portfolio, quality, cross-sell the other products/services of the bank and provide professional account management to meet the its portfolio growth and profitability objectives while preserving asset quality' establish, develop and maintain a lasting and mutually beneficial relationship with customers. Market and deliver bank products and services within bounds of Bank policies and governing laws and regulations.

How will you contribute?

• Conducts credit evaluation of accounts, including client calls and ocular inspections.
• Recommends the establishment of credit facilities in accordance with the priorities and policies of the Bank by analyzing / evaluating the client's business/ industry, financial capacity, management competence, collateral / security, and account profitability.
• Improves the quality of the loan portfolio of the Bank and aims to maximize return on its resources.
• Solicits credit-worthy accounts by identifying target markets and strategies, marketing the products and services of the Bank, and offering a financial package tailored to the requirements of the clients. Increases the share of the market, improves revenues, and at the same time improves the quality of the portfolio of the Bank.
• Develops the existing portfolio by conducting an annual review of the credit facilities of clients and its suitability to its current requirements. Expands and deepens relationships with prime accounts by soliciting availments, increasing its deposits and collateral business.

What will make you successful?

• Bachelors degree in Economics, Business, Accounting, or Commerce. Post-graduate degree (i.e.MBA, MA) preferred.
• Working knowledge of international and local trade payments / practices, rules and regulations' training in bank service policies and procedures' account profitability analysis' financial analysis' credit approval preparation.
• Two (2) years banking industry experience, or five (5) years experience in other industries.
• Proficient in basic MS Office applicatons. Marketing and presentation skills. Excellent oral and written communication skills. Interpersonal skills.