Relationship Manager (Northern Mindanao)

Private Advertiser; Northern Mindanao; On-site; PHP 420,000 - 780,000; Full time

Job summary

Private Advertiser is seeking an experienced Relationship Manager in the Philippine financial services sector to grow the existing portfolio and generate new business while aiming for volume targets.

The role requires visiting clients, assessing credit risk, preparing credit proposals, and ensuring BSP compliance. You will coordinate with Treasury on funding and pricing, and travel to client sites as needed to build long-term relationships.

Qualifications

• Graduate of Business Administration, Finance, Economics, or any business-related field.
• At least 5 years of experience in sales, business development, or relationship management in financial services.
• Knowledgeable in financial products, lending principles, and credit risk assessment.
• Excellent communication and interpersonal skills.
• Proficient in analyzing market trends and identifying opportunities.
• Detail-oriented with strong organizational and time-management skills.
• Familiar with banking regulations and compliance standards.
• Willing to travel for client visits and meetings.

Responsibilities

• Explore and initiate the development of new borrowing accounts through direct solicitations, dealer referrals, and similar initiatives.
• Monitor market movements, changes in clients’ needs and strategies, and the development of the latest financial products.
• Conduct regular client and plant visits to establish and maintain good working relationships, obtaining first‑hand information on account developments.
• Secure all pre‑approval requirements necessary to evaluate borrower credit risk profiles.
• Package credit facilities suitable for clients’ needs and prepare corresponding credit proposals.
• Ensure timely preparation and submission of marketing write-ups and other credit information for credit evaluation and approval processes.
• Prepare call reports for each client visit or significant account development.
• Conduct periodic reviews and initiate the classification of accounts, particularly those with deteriorating financial or credit standing.
• Ensure receipt of complete documentary requirements before releasing any proceeds to borrowers.
• Ensure all loan or lease availments comply with existing bank policies and Bangko Sentral ng Pilipinas (BSP) regulations.
• Complete the Client Assessment Form as part of the company's Money Laundering and Terrorist Financing Prevention Program and any other related documents required by government regulatory agencies.
• Ensure the absolute confidentiality of records and data gathered from clients.
• Maintain complete and updated documents in credit folders.
• Ensure all information in the Client Information System (CIS) and Account Management System (AMS) is complete, accurate, and updated.
• Coordinate funding requirements and pricing information with the Treasury Division as necessary.
• Perform other assigned tasks as needed.

Skills

Sales experience

Relationship management

Credit risk assessment

Financial product knowledge

Communication skills

Interpersonal skills

Time management

Regulatory compliance

Travel willingness

Education

Business Administration / Finance / Economics degree

Tools

MS Office

Job description

Role Overview:

The Relationship Manager is responsible for growing and developing the existing portfolio and generating new business to expand the company’s client base while achieving assigned volume targets.

Specific Duties and Responsibilities:

• Explore and initiate the development of new borrowing accounts through direct solicitations, dealer referrals, and similar initiatives.

• Monitor market movements, changes in clients’ needs and strategies, and the development of the latest financial products.

• Conduct regular client and plant visits to establish and maintain good working relationships, obtaining first‑hand information on account developments.

• Secure all pre‑approval requirements necessary to evaluate borrower credit risk profiles.

• Package credit facilities suitable for clients’ needs and prepare corresponding credit proposals.

• Ensure timely preparation and submission of marketing write‑ups and other credit information for credit evaluation and approval processes.

• Prepare call reports for each client visit or significant account development.

• Conduct periodic reviews and initiate the classification of accounts, particularly those with deteriorating financial or credit standing.

• Ensure receipt of complete documentary requirements before releasing any proceeds to borrowers.

• Ensure all loan or lease availments comply with existing bank policies and Bangko Sentral ng Pilipinas (BSP) regulations.

• Complete the Client Assessment Form as part of the company's Money Laundering and Terrorist Financing Prevention Program and any other related documents required by government regulatory agencies.

• Ensure the absolute confidentiality of records and data gathered from clients.

• Maintain complete and updated documents in credit folders.

• Ensure all information in the Client Information System (CIS) and Account Management System (AMS) is complete, accurate, and updated.

• Coordinate funding requirements and pricing information with the Treasury Division as necessary.

• Perform other assigned tasks as needed.

Qualifications:

• Graduate of Business Administration, Finance, Economics, or any business‑related field

• Proven track record of at least 5 years in sales, business development, or relationship management within the financial services industry

• Knowledgeable in financial products, lending principles, and credit risk assessment

• Excellent communication and interpersonal skills, with the ability to build and maintain strong client relationships

• Proficient in analyzing market trends, identifying business opportunities, and developing strategies to achieve sales targets

• Detail‑oriented with strong organizational and time‑management skills

• Proficient in MS applications

• Familiar with banking regulations and compliance standards

• Flexible to travel for client visits and business meetings as required