Relationship Manager - Commercial Banking (Cebu City)

UnionBank of the Philippines (UBP); Cebu City; On-site; PHP 600,000 - 800,000; Full time

Job summary

A leading bank in the Philippines is seeking an experienced Account Officer to manage loan portfolios and conduct credit evaluations. The ideal candidate must possess a Bachelor's degree and at least 2 years of experience in commercial banking. Strong client management skills are essential. Responsibilities include preparing credit memoranda and conducting financial analyses, ensuring the viability of managed accounts.

Qualifications

• Minimum of 2 years experience as an Account Officer or Relationship Manager in Commercial Banking.
• Knowledgeable in credit evaluation and financial analysis.
• Strong client management skills.

Responsibilities

• Manage existing loan portfolio and market for new loan accounts.
• Make credit evaluations and prepare credit memoranda.
• Screen loan applicants by evaluating and analyzing credit worthiness.
• Prepare Credit Recommendation and Approval Memorandum.
• Conduct financial analysis and credit packaging.
• Monitor financial condition of accounts.

Skills

Credit evaluation

Financial analysis

Client management

Education

Bachelor's Degree

Job description

JOB DESCRIPTION

• 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 for approval credit worthy clients.

• 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.

QUALIFICATIONS

• Bachelor's Degree is required

• Minimum of 2years experience as an Account Officer or Relationship Manager in Commercial Banking

• Knowledgeable in credit evaluation and financial analysis

• Strong client management skills