Relationship Manager - Business Banking

RCBC; Cagayan de Oro; On-site; PHP 480,000 - 720,000; Full time

Job summary

RCBC is seeking a qualified professional to generate new commercial loans and manage a growing loan portfolio in the Philippines. You will evaluate credit, call on clients, and cross-sell bank products to meet portfolio growth and profitability targets while maintaining asset quality.

You will establish and maintain strong relationships with customers, market bank products within policy bounds, and ensure compliance with applicable laws and regulations.

Qualifications

• Bachelor's degree in Economics, Business, Accounting, or Commerce.
• MBA or MA preferred for advanced roles.
• Working knowledge of trade payments, regulations and bank service policies.
• 2 years banking experience or 5 years in other industries.

Responsibilities

• Generate new commercial loans and manage a growing loan portfolio.
• Conduct credit evaluation of accounts and client calls.
• Develop relationships with customers and cross-sell bank products.
• Ensure portfolio quality and profitability while adhering to policies.

Skills

Credit evaluation

Market development

Client relationship management

Financial analysis

Interpersonal skills

Education

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

MBA or MA preferred

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.