Relationship Manager - Commercial Banking

Maybank; Taguig; On-site; PHP 600,000 - 1,000,000; Full time

Job summary

Maybank Philippines seeks a Relationship Manager to acquire, develop, and manage SME relationships by prospecting and converting new-to-bank opportunities, expanding borrower relationships, and ensuring service quality. You will coordinate credit proposals and monitor portfolio health while cross-selling banking products.

The role requires a Bachelor's degree and at least 2 years' corporate banking experience, with strong communication and analytical skills to thrive in a regulated environment.

Qualifications

• Bachelor’s degree in Accountancy, Business Administration, Commerce, Banking & Finance, or related field.
• At least 2 years of relevant working experience.
• Experience in marketing and relationship management in corporate banking.
• Banking experience with lending, account management, and credit evaluation is an advantage.

Responsibilities

• Achieves assigned business targets through an income-generating, quality portfolio.
• Sources SME clients through the bank ecosystem, branches and referrals.
• Conducts client calls, site visits and business development activities to generate opportunities.
• Identifies client needs and develops banking packages to support profitability and relationships.
• Acquires new-to-bank business while growing existing client relationships.
• Reviews borrower relationships for facilities and opportunities; cross-sell bank products.
• Maintains client contact and resolves account concerns; ensures waivers and approvals follow policy.
• Prepares credit proposals and coordinates with approval authorities.

Skills

Relationship management

Business development

Client acquisition

Cross-selling

Credit evaluation

Education

Bachelor's degree in Accountancy, Business Administration, Commerce, Banking & Finance, or related field

Job description

The Relationship Manager is responsible to acquire, develop and manage profitable, good-quality SME relationships by prospecting and converting new-to-bank opportunities, expanding existing borrower relationships, assessing creditworthiness, structuring and packaging appropriate credit facilities, cross-selling relevant bank products, and ensuring effective account servicing, timely renewals, asset-quality preservation and compliance with bank and regulatory requirements. The role supports SME Banking growth by balancing business generation and relationship profitability with sound credit, risk and portfolio-management discipline.

Your Impact

A. Business Development and Client Acquisition

• Achieves assigned business targets through a portfolio that is income generating and of acceptable quality.
• Sources potential SME clients through the bank ecosystem, branch and existing-client referrals, and own-generated leads.
• Conducts client calls, project visits and business-development activities independently or jointly with the SME Manager, Branch Manager or referring personnel.
• Identifies client needs and business opportunities and develops suitable banking packages intended to support account profitability and continuing relationships.
• Acquires new-to-bank business while maintaining responsibility for developing existing clients.

B. Existing Portfolio Growth and Relationship Management

• Reviews existing borrower relationships for line increases, additional facilities and other business opportunities.
• Cross-sells applicable bank products, including Auto Loans, Personal Loans, Home Loans and Deposit products.
• Maintains continuing client contact and addresses account concerns, documentary deficiencies and receivable collection requirements.
• Applies approved ADB and pricing requirements and obtains appropriate approval for any waiver request.

C. Credit Assessment, Proposal Preparation and Approval Coordination

• Establishes the overall creditworthiness of prospective and existing borrowing relationships before submission to the approving body.
• Initiates property appraisal and/or credit investigation and reviews the resulting reports.
• Prepares the Application for Accommodation in coordination with RSCC/RGCM and LAD
• Packages credit proposals in accordance with bank, BSP and other regulatory guidelines.
• Checks whether accounts are DOSRI or related-party transactions and ensures applicable handling requirements are followed.
• Secures credit-proposal approval from the proper approving authorities.

D. Account Implementation and Servicing

• Coordinates implementation and servicing with LAD, Accounting, Legal, RCC and other relevant support units.
• Follows through on insurance-policy submission for newly booked accounts and renewal of coverage upon expiry, where applicable.
• Ensures timely collection of receivables, completion of documentary deficiencies and resolution of client-account concerns.
• Ensures accurate SME and Agri-Agra tagging.

E. Portfolio Monitoring, Renewals and Asset Quality Management

• Ensures OAAs are renewed and implemented on time.
• Monitors loan payments, maturities and renewal schedules and presents renewal requests early enough to avoid account delinquency.
• Monitors and classifies accounts promptly to preserve asset quality.
• Develops and follows through on necessary action plans for accounts requiring early care, with close monitoring intended to prevent migration to NPL.

Your Profile

• Bachelor's Degree in Accountancy, Business Administration, Commerce, Banking & Finance, or any related field.
• At least 2 years of relevant working experience.
• Have relevant experienced in marketing and relationship management in corporate banking.
• Banking experience with a background in lending, account management, and credit evaluation is an advantage.