Relationship Manager - Business Banking

RCBC; Makati; On-site; PHP 700,000 - 1,100,000; Full time

Job summary

RCBC in Makati seeks a professional to generate new commercial loans and develop the existing portfolio while maintaining asset quality and profitability. You will manage client relationships and market bank products within policy and regulatory guidelines.

The role requires evaluating credit facilities, conducting site visits, and identifying opportunities to expand deposits and collateral business, with a focus on profitable growth and strong customer satisfaction.

Qualifications

• Experience evaluating credit facilities and client profitability.
• Ability to develop and maintain customer relationships and portfolios.
• Capable of recommending credit facilities per bank policies and regulations.
• Strong financial analysis and presentation skills.
• Excellent oral and written communication and interpersonal skills.

Responsibilities

• Generate new commercial loans for the Bank and develop the portfolio.
• Conduct credit evaluations including client calls and site visits.
• Recommend credit facilities aligned with bank priorities and policies.
• Improve loan portfolio quality and maximize returns on resources.
• Expand existing relationships by annual reviews and cross-selling deposits and collateral business.

Skills

Credit evaluation

Account management

Cross-selling

Financial analysis

Communication

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.