Relationship Specialist (Bogo Branch)

ORIX METRO Leasing and Finance Corporation; Bogo; On-site; PHP 240,000 - 360,000; Full time

Job summary

ORIX METRO Leasing and Finance Corporation in Cebu seeks a Relationship Specialist to grow an existing portfolio and generate new business. You will pursue borrowing accounts through direct solicitations, dealer referrals, and other initiatives while aligning with regulatory requirements.

You will visit clients to build relationships, evaluate credit risk, prepare proposals, and ensure documentation and compliance with BSP regulations.

Qualifications

• Graduate of a business course with strong communication skills and client focus.
• Proven ability to work under pressure and meet deadlines.
• Driving is required with a valid license and the ability to drive safely.

Responsibilities

• Explore and initiate new borrowing accounts through direct solicitations, dealer referrals, and other initiatives.
• Monitor market movements and changes in clients’ needs and product developments.
• Conduct client and plant visits to establish and maintain relationships and gather account information.
• Secure pre-approval requirements to evaluate borrower credit risk.
• Package credit facilities and prepare credit proposals.
• Ensure timely submission of marketing write-ups, ICRRS, and other credit inputs for evaluation and approval.
• Prepare a call report after client visits or significant developments.
• Conduct periodic reviews and classify accounts with attention to deteriorating financials.
• Ensure documentation before proceeds release and compliance with BSP regulations.
• Complete Client Assessment Form for AML/Financing programs.
• Maintain confidentiality of client data and update CIS/AMS accurately.
• Coordinate funding requirements and pricing with Treasury.
• Perform other tasks as assigned.

Skills

Written and oral communication

Work under pressure / deadlines

Driving skills

Onsite reporting (Bogo Branch)

Fresh graduates welcome

Leasing experience

Education

Business course degree

Job description

Role Overview:

The Relationship Specialist is responsible for the growth and development of an existing portfolio and the generation of new business to expand the company’s client base, as well as the attainment of the assigned volume targets.

Specific Duties and Responsibilities:

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

• Monitor market movements and changes in clients’ needs, as well as strategies and developments in the latest financial products

• Conduct regular client and plant visits to establish and maintain good working relationships with accounts and to obtain firsthand information on any developments within the accounts

• Secure all pre-approval requirements necessary to evaluate the borrower's credit risk profile

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

• Ensure timely preparation and submission of marketing write-ups, ICRRS (Internal Credit Risk Rating System), and other credit information as inputs to the credit evaluation and approval processes

• Prepare a call report each time a visit is made to a client, or a significant development occurs regarding the account

• Conduct periodic reviews and initiate classification of accounts, especially those with deteriorating financial or credit standings.

• Ensure receipt of complete documentary requirements prior to the release of any proceeds to the borrower.

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

• Accomplish the Client Assessment Form as part of the Money Laundering and Terrorist Financing Prevention Program of the company, along with any other related documents as required by government regulatory agencies

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

• Maintain complete and updated documents in the credit folders

• Ensure all information in the Client Information System (CIS) and Account Management System (AMS) is complete, accurate, and up-to-date

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

• Perform other tasks that may be assigned from time to time

Qualifications:

• Graduate of any business course

• Excellent written and oral communication skills

• Proven ability to work effectively under pressure and meet deadlines

• Must be willing to report onsite daily in Bogo Branch

• At least 1 year of experience in leasing and financing is a plus

• Fresh graduates are welcome to apply; must demonstrate excellent performance, initiative, and readiness to contribute immediately

• Driving skills are required; candidates must have a valid driver's license and the ability to drive confidently