Relationship Manager-Commercial Banking

UnionBank of the Philippines; Philippines; On-site; PHP 900,000 - 1,400,000; Full time

Job summary

A leading banking institution in the Philippines is seeking a Relationship Manager-Commercial Banking to manage loan portfolios and evaluate credit applications. Responsibilities include the preparation of approval documents and monitoring account performance, while ensuring sound credit decisions. Ideal candidates should possess strong skills in client engagement and credit evaluation. This role is based in Davao City and offers opportunities for professional growth in a dynamic banking environment.

Qualifications

• Adept knowledge in client facing, credit evaluation and financial analysis.
• Experience with banking credit processes and approvals.
• Strong communication and interpersonal skills.

Responsibilities

• Manages loan portfolios by evaluating credit applications and preparing approval documents.
• Monitors financial conditions of accounts handled.
• Conducts financial analysis and credit packaging.

Skills

Client facing

Credit evaluation

Financial analysis

Customer Data Gathering

Customer Guidance and Advisory

Opportunity Identification and Management

Personalized Experience

Relationship Management

Job description

Group Company: Union Bank of the Philippines

Designation: Relationship Manager-Commercial Banking

Office Location: Davao City

Job Summary: Manages loan portfolios by evaluating credit applications, preparing approval documents, monitoring account performance, and coordinating with internal teams to ensure sound credit decisions and effective resolution of problematic accounts.

Duties And Responsibilities

• Manages loan portfolios by evaluating credit applications, preparing approval documents, monitoring account performance, and coordinating with internal teams to ensure sound credit decisions and effective resolution of problematic accounts.
• Manages existing loan portfolio and markets for new loan accounts, makes credit evaluations and prepared credit memoranda for approval, presents accounts to approving body.
• Screens loan applicants referred by branches by evaluating and analyzing credit worthiness of these accounts.
• Recommends credit worthy clients for approval.
• Prepares Credit Recommendation and Approval Memorandum (CRAM).
• Conducts financial analysis/credit packaging.
• Conducts plant visits to check on how the business of the client is doing.
• Monitors financial condition/viability of the accounts being handled.
• Performs remedial management on potentially problematic accounts.
• Updates Center/Sector Head on performance of accounts being handled.
• Coordinates with Legal Management Services Sector and Collection, Assets Recovery and Disposal Sector on handling of problematic accounts.
• Answers queries, complaints, or requests from borrowing clients.
• Attends to ExCom and Loan COMM as needed to present recommendations.

Required Skills

• The candidate should have an adept knowledge in client facing, credit evaluation and financial analysis.
• Has the following competencies:
• Customer Data Gathering
• Customer Guidance and Advisory
• Opportunity Identification and Management
• Personalized Experience
• Relationship Management