Relationship Manager - Business Banking

RCBC; Bulacan; On-site; PHP 446,000 - 893,000; Full time

Job summary

RCBC, headquartered in the Philippines, is seeking a results-driven banker to generate new commercial loans, grow and manage a portfolio, and cross-sell services while ensuring asset quality. The role involves evaluating credit, engaging with clients, and aligning facilities with bank policies.

The ideal candidate has a degree in economics/commerce or related field, with banking experience and strong MS Office skills.

Qualifications

• Bachelor's degree in Economics, Business, Accounting, or Commerce is required.
• Two years banking experience or five years in other industries.
• Proficiency in MS Office applications.
• Training in bank service policies and procedures, account profitability analysis, financial analysis, and credit approval preparation.

Responsibilities

• Generates new commercial loans for the Bank and develops existing loan portfolio.
• Quality and cross-sell other bank products/services; provide professional account management.
• Establish, develop and maintain lasting relationships with customers within bank policies and regulations.
• Conducts credit evaluation of accounts, including client calls and ocular inspections.
• Prepares credit facilities proposals in line with bank priorities and policies; analyzes client business, financial capacity, collateral, and profitability.
• Aims to improve loan portfolio quality and maximize returns; expands and deepens prime account relationships.

Skills

Marketing

Presentation skills

Communication

Interpersonal skills

Education

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

MBA or MA 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.