Relationship Manager - Commercial Banking (For Pooling)

UnionBank; Pasig; On-site; PHP 600,000 - 900,000; Full time

Job summary

Union Bank of the Philippines is seeking a Relationship Manager-Commercial Banking to manage loan portfolios, evaluate credit applications, prepare approval documents, monitor account performance, and coordinate with internal teams to ensure sound credit decisions and timely resolution of problematic accounts.

You will build and sustain strong client relationships with commercial borrowers, perform thorough financial analysis and credit packaging, screen referrals from branches, present

Qualifications

• Bachelor's degree in Finance, Business, Economics, Accounting, or a related field.
• Strong interpersonal and communication abilities with clients and stakeholders.
• Basic understanding of client servicing, financial analysis, and credit evaluation.
• Customer-centric mindset with ability to identify business opportunities.
• Strong teamwork and relationship-management skills with attention to detail.

Responsibilities

• Evaluate credit applications and prepare approval documents.
• Monitor account performance and coordinate with internal teams for sound decisions.
• Prepare credit memoranda and CRAM for approvals.
• Screen loan applicants and assess creditworthiness.
• Present recommendations to approving bodies as needed.
• Maintain client relationships and respond to inquiries and requests.
• Conduct financial analysis and assist in remedial management of at-risk accounts.

Skills

Interpersonal skills

Communication skills

Client relationship management

Credit evaluation

Financial analysis

Teamwork

Attention to detail

Education

Bachelor's degree in Finance, Business, Economics, Accounting, or related field

Job description

Group Company

Union Bank of the Philippines

Designation

Relationship Manager-Commercial Banking

Office Location

UB Plaza - 22F Pasig (Headquarters)

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, preparin g 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 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 in Finance, Business, Economics, Accounting, or a related field.
• Strong interpersonal and communication skills with the ability to effectively engage and build relationships with clients and stakeholders.
• Basic understanding or willingness to learn client servicing, financial analysis, and credit evaluation.
• Demonstrates a customer-centric mindset with skills in customer data gathering, advisory, and identifying business opportunities.
• Strong critical thinking, attention to detail, teamwork, and relationship management skills, with a commitment to delivering personalized client experiences