Relationship Manager-Commercial Banking

UnionBank; Cebu City; On-site; PHP 900,000 - 1,500,000; Full time

Job summary

UnionBank in Cebu seeks a Relationship Manager-Commercial Banking to grow and manage a portfolio of commercial clients, providing lending solutions and sound credit decisions.

You will develop business, evaluate credit, and balance risk with exceptional client service for the bank's growth objectives.

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Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, Accounting or related field.
• Experience in commercial banking, corporate banking, relationship management, credit evaluation, or lending is an advantage.
• Strong analytical skills to interpret financial statements and assess creditworthiness.
• Excellent communication, presentation and relationship-building skills with a customer-focused mindset.
• Strong business development skills with the ability to identify opportunities and grow client relationships.
• Familiarity with banking regulations, credit risk management principles and BSP guidelines is an advantage.

Responsibilities

• Manage and grow an assigned portfolio of commercial banking clients through relationship management and business development activities.
• Identify, source, and acquire new loan and deposit relationships to meet portfolio growth targets.
• Evaluate credit applications and conduct thorough financial and credit analysis of prospective and existing borrowers.
• Prepare Credit Recommendation and Approval Memoranda (CRAM) and other credit assessment documents for approval.
• Present credit proposals and account recommendations to credit committees and approving authorities.
• Conduct client visits and business inspections to validate operations, assess risks, and strengthen client relationships.
• Monitor the financial condition and performance of borrowing clients and recommend appropriate actions when needed.
• Perform portfolio reviews and identify early warning signs on potentially problematic accounts.
• Coordinate with Legal, Collections, Asset Recovery, and other support units in managing delinquent or high-risk accounts.
• Respond to client inquiries, concerns, and requests while delivering excellent relationship management and advisory support.
• Provide regular portfolio updates, business opportunities, and account performance reports to management.
• Ensure compliance with the bank's credit policies, regulatory requirements, and risk management standards.

Skills

Analytical skills

Communication skills

Relationship management

Business development

Credit evaluation

Education

Bachelor's degree in Finance/Business Administration/Economics/Accounting

Job description

Position Title: Relationship Manager-Commercial Banking

Location: Cebu

About The Role

The Relationship Manager-Commercial Banking will be responsible for growing and managing a portfolio of commercial clients by providing lending solutions, maintaining strong client relationships, and ensuring sound credit decisions. The role combines business development, account management, and credit evaluation to support the bank's growth objectives while maintaining portfolio quality. You will work closely with clients to understand their financing needs, assess creditworthiness, and recommend appropriate banking products and services. This position plays a critical role in balancing business generation, risk management, and exceptional client service within the commercial banking segment.

What You’ll Do

• Manage and grow an assigned portfolio of commercial banking clients through relationship management and business development activities.
• Identify, source, and acquire new loan and deposit relationships to meet portfolio growth targets.
• Evaluate credit applications and conduct thorough financial and credit analysis of prospective and existing borrowers.
• Prepare Credit Recommendation and Approval Memoranda (CRAM) and other credit assessment documents for approval.
• Present credit proposals and account recommendations to credit committees and approving authorities.
• Conduct client visits and business inspections to validate operations, assess risks, and strengthen client relationships.
• Monitor the financial condition and performance of borrowing clients and recommend appropriate actions when needed.
• Perform portfolio reviews and identify early warning signs on potentially problematic accounts.
• Coordinate with Legal, Collections, Asset Recovery, and other support units in managing delinquent or high-risk accounts.
• Respond to client inquiries, concerns, and requests while delivering excellent relationship management and advisory support.
• Provide regular portfolio updates, business opportunities, and account performance reports to management.
• Ensure compliance with the bank's credit policies, regulatory requirements, and risk management standards.

What We're Looking For

• Bachelor's degree in Finance, Business Administration, Economics, Accounting, or a related field.
• Experience in commercial banking, corporate banking, relationship management, credit evaluation, or lending is an advantage.
• Strong analytical skills with the ability to interpret financial statements and assess creditworthiness.
• Excellent communication, presentation, and relationship-building skills with a customer-focused mindset.
• Strong business development skills with the ability to identify opportunities and grow client relationships.
• Familiarity with banking regulations, credit risk management principles, and BSP guidelines is an advantage.