Relationship Manager - Business Banking

RCBC; Cebu City; On-site; PHP 380,000 - 700,000; Full time

Job summary

RCBC in Cebu City, Philippines seeks a results-driven professional to generate new commercial loans, develop the existing loan portfolio, and provide professional account management to meet growth and profitability targets while preserving asset quality.

The role focuses on credit evaluations, portfolio reviews, and cross-selling bank products, building lasting relationships with clients, and ensuring compliance with bank policies and regulations.

Qualifications

• Bachelor's degree in Economics, Business, Accounting, or Commerce required or equivalent.
• Two years banking or related industry experience preferred.
• Strong analytical, financial, and credit evaluation skills.

Responsibilities

• Generate new commercial loans and develop existing loan portfolio.
• Cross-sell bank products and services while maintaining asset quality.
• Conduct credit evaluations and client calls/inspections.
• Manage relationships with customers to grow portfolio profitability.

Skills

Credit evaluation

Portfolio development

Relationship management

MS Office

Excellent communication

Education

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

Tools

MS Office suite

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.