Relationship Manager - Commercial Banking Laguna

UnionBank; Manila; On-site; PHP 900,000 - 1,300,000; Full time

Job summary

Union Bank of the Philippines in Binondo Manila seeks a Relationship Manager-Commercial Banking to manage loan portfolios and evaluate credit applications. You will prepare approval documents, monitor performance, and coordinate with internal teams to ensure sound credit decisions.

The role requires strong financial analysis, client-facing advisory skills, and the ability to present findings to approving bodies.

Qualifications

• Experience evaluating credit and financial statements for loan applications.
• Strong client-facing skills and advisory capabilities.
• Ability to coordinate with internal teams for credit decisions.

Responsibilities

• Evaluate credit applications and prepare approval documents for loan portfolios.
• Monitor account performance and coordinate with internal teams to ensure sound decisions.
• Present recommendations to approving bodies and attend ExCom/Loan COMM when required.
• Conduct financial analysis and credit packaging; visit client premises as needed.
• Engage with branches to screen applicants and identify credit-worthy clients.

Skills

Client facing

Credit evaluation

Financial analysis

Relationship management

Job description

Job Description:

Group Company: Union Bank of the Philippines

Designation: Relationship Manager-Commercial Banking

Office Location: Binondo Manila

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, preparing 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

Required Skills

• The candidate should have an adept knowledge in client facing, credit evaluation and financial analysis.
• Has the following competencies:
  • Customer Data Gathering
  • Customer Guidance and Advisory
  • Opportunity Identification and Management
  • Personalized Experience
  • Relationship Management