Relationship Manager (Commercial Banking- Cebu)

Metrobank; Cebu City; On-site; PHP 800,000 - 1,000,000; Full time

Job summary

Metrobank is seeking a Commercial Banking Relationship Manager to originate, develop, review, and manage loan portfolios while conducting credit and financial analysis. The role focuses on cross-selling banking solutions and growing relationships with commercial and middle-market clients.

You'll work with senior executives and cross-functional teams to deliver strategic financial solutions, under the bank's guidance and mentorship. Applicants from outside Cebu willing to relocate are welcome.

Qualifications

• 3–5 years of experience in Commercial Banking, Corporate Banking, SME Banking, Relationship Management, Account Management or Business Development.
• Proven experience in credit evaluation, financial statement analysis, cash flow assessment and credit proposal preparation.
• Experience in growing a loan portfolio while maintaining asset quality is an advantage.
• Strong client relationship management, negotiation, communication and cross-functional collaboration skills.

Responsibilities

• Originates, develops, reviews, and manages loan portfolio relationships.
• Conducts credit and financial analysis and cross-sells bank products and services.
• Builds and manages relationships with commercial and middle-market clients across industries.
• Partner with credit, risk, operations, and product teams to deliver client-focused solutions.
• Engages with business owners and senior executives to provide strategic financial solutions.

Skills

Client relationship management

Negotiation skills

Communication skills

Cross-functional collaboration

Credit evaluation

Financial statement analysis

Cash flow assessment

Portfolio management

Strategic thinking

Job description

Here at Metrobank, we don't simply hire employees—we hone future leaders. We provide opportunities that enhance your skills and unlock your talents, helping you evolve into a well-rounded individual. We supply you with all the pieces you need to do your best work, unleashing your full potential to help you secure your future and lead a fulfilling career. And with Metrobank's strong heart for the community, you have the chance to give back and make worthwhile contributions to our nation's economic and social development.

With Metrobank, a meaningful life is within your reach!

Commercial Banking Relationship Manager is expected to originate, develop, review, and manage loan portfolio relationships, conduct credit and financial analysis, and cross-sell appropriate bank products and services across target segments, contributing to the Bank's objectives in terms of growth, profitability, asset quality, and client satisfaction.

Role Exposure:

• Build and manage relationships with key commercial and middle-market clients across diverse industries.
• Develop expertise in commercial lending, credit evaluation, financial analysis, and portfolio management.
• Drive business growth through client acquisition, relationship expansion, and cross-selling of banking solutions.
• Gain exposure to business owners, senior executives, and key decisionmakers, providing strategic financial solutions tailored to their needs.
• Partner with credit, risk, operations, and product teams to deliver exceptional client experiences and sustainable business results.
• Learn from experienced banking professionals and industry leaders through mentorship and on-the-job development.

Qualifications:

• 3-5 years of experience in Commercial Banking, Corporate Banking, SME Banking, Relationship Management, Account Management, or Business Development within a financial institution.
• Proven experience in credit evaluation, financial statement analysis, cash flow assessment, and credit proposal preparation.
• Experience in managing and growing a loan portfolio while maintaining acceptable asset quality is an advantage.
• Strong strategic thinking, client relationship management, and negotiation skills.
• Excellent communication (verbal, written, presentation, and active listening) skills.
• Ability to collaborate effectively with cross-functional teams to deliver results.
• Knowledge of banking products, lending processes, and risk management principles is an advantage.
• Candidates with experience in Retail Banking or Credit may also be considered.
• Applicants based outside Cebu who are willing to relocate to Cebu are welcome to apply.