Relationship Manager - Business Banking

RCBC; Bulacan; On-site; PHP 600,000 - 800,000; Full time

Job summary

RCBC, a leading bank in the Philippines, seeks a professional to generate new commercial loans and develop the existing portfolio, ensuring asset quality while cross-selling products and services. The role involves evaluating client credit, expanding prime accounts, and aligning facilities with bank policies and market needs.

The candidate will maintain strong relationships with customers, market bank offerings within policy, and support portfolio growth and profitability with disciplined credit

Qualifications

• Bachelor’s degree in Economics, Business, Accounting, or Commerce required.
• Two years banking experience or five years in other industries.
• Proficient in MS Office and strong communication skills.

Responsibilities

• Conducts credit evaluations of accounts and client calls.
• Recommends credit facilities per Bank policies by analyzing client business and finances.
• Improves loan portfolio quality and maximizes resource return.
• Solicits credit-worthy accounts with targeted markets and tailored financial packages.
• Develops portfolio by annual credit facility reviews and deepens prime account relationships.

Skills

Credit analysis

Financial analysis

Trade payments

Account profitability

Credit approval

Education

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

MBA preferred

Tools

MS Office

Job description

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.

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.