Relationship Manager - Commercial Banking

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

Job summary

Maybank is seeking a Relationship Manager to develop and manage profitable SME relationships, prospect new-to-bank opportunities, and expand existing borrower relationships. The role emphasizes credit assessment, structuring facilities, cross-selling products, and ensuring high-quality account servicing.

You will balance business growth with sound risk and portfolio management, monitor maturities and renewals, and ensure compliance with bank and regulatory requirements.

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 is preferred.
• Banking experience with lending, account management, and credit evaluation is advantageous.

Responsibilities

• Acquire and manage SME relationships to achieve targets.
• Cross-sell applicable bank products to SME clients.
• Assess creditworthiness and prepare credit proposals in line with guidelines.
• Coordinate account implementation and servicing with relevant units.
• Monitor portfolio quality and renewals to preserve asset quality.

Skills

Relationship management

Credit evaluation

Lending

Portfolio management

Education

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

Job description

Your Role

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.