Relationship Manager (Corporate Banking-Japan Desk)

Security Bank Corp; Philippines; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

Security Bank Corp is seeking an experienced Relationship Manager in Corporate Banking to grow client portfolios through cross-selling and new account onboarding. The role drives revenue via approved credit plans, profitability metrics, and risk controls, while coordinating with risk and credit teams.

The RM will develop industry knowledge, manage multi-product relationships, and mentor junior Relationship Managers to achieve team targets and budgets.

Qualifications

• Strong client relationship skills and portfolio development.
• Ability to cross-sell banking products across segments.
• Proficiency in credit proposals and risk assessment.
• Experience in managing risk and compliance with policies.

Responsibilities

• Prepares credit proposals with risk team and presents to Credit Committee.
• Identifies new clients and develops relationships with cross-selling.
• Manages and grows the loan portfolio and referrals to RMD as needed.
• Ensures compliance with credit policies and updates policies as required.
• Develops industry knowledge and banking product expertise.
• Coaches junior Relationship Managers on strategy and transactions.

Skills

Relationship Management

Cross-selling

Credit Analysis

Risk Management

Job description

JOB SUMMARY

The Relationship Manager of the Corporate Banking Group develops client portfolio of accounts to deliver budgeted goals and targets through cross-selling of bank products and new account on-boarding. S/He achieves revenue goals by approved through account planning, account profitability and risk management metrics.

DUTIES AND RESPONSIBILITIES

• Prepares credit proposals alongside the Enterprise Risk Manager/Analyst and presents them to the Bank's Credit Committee by orchestrating proper credit due diligence on account; Presents a balanced view of risk to approving authority to address clients credit facility requirements.
• Identifies, on-boards and develops new client relationships per defined target market by cross-selling appropriate bank products to grow the portfolio and achieve set budgets/goals in terms of Loans, Deposit, Foreign Exchange (FX), Trade, Debt Capital Market (DCM), etc.; Uses an Account Plan to establish a profitable and multi-product relationship with clients.
• Manages and grows existing loan portfolio by maximizing wallet share and potential revenues of existing clients, facilitating client transactions, identifying and managing problem accounts including the preparation of watch list reports with action plans, proper classification of accounts for the right provisioning level, and timely referral to the Remedial Management Department (RMD) when all possible collection efforts have been exhausted
• Ensures compliance with the Bank's credit policies as well as all other governing policies for transactions that are processed and recommended; Keeps updated on credit policy revisions and enhancements by collaborating with Credit in updating and formulating new credit policies.
• Develops industry and product expertise by understanding clients banking needs and cross-selling SBC's banking solutions; Benchmarks and networks with other banks Account Officers to develop industry/sector knowledge and to be updated with banking practices.
• Oversees Junior Relationship Managers by coaching and mentoring on account strategy and transaction handling in order to achieve the Team's goals