SME Officer - Sta. Rosa/Binan

Maybank; Laguna; On-site; PHP 334,800 - 669,600; Full time

Job summary

Maybank in Laguna is seeking an SME Officer to market bank products, identify opportunities from referred clients, and design profitable package solutions to strengthen client relationships.

You will scout for business, conduct client visits, coordinate with supervisors and Branch Manager, and prepare accommodation reports, ensuring creditworthiness before presenting to committees. Travel to provincial areas will be frequent as part of this role.

Qualifications

• Minimum 1 year of SME accounts experience.
• Experience packaging proposals and presenting to Credit Committee.
• Proficient in Windows-based programs (Word, Excel, PowerPoint).
• Able to travel frequently to provincial areas.

Responsibilities

• Market bank products and identify business opportunities from referred clients.
• Design profitable packages to ensure optimum profitability and strengthen relationships.
• Scout for potential clients from branch referrals; perform client calls and visits.
• Conduct client visits alone or with supervisor/Branch Manager as per bank standards.
• Request and review property appraisal and/or credit investigations.
• Ensure overall creditworthiness before presenting to the approving body.
• Prepare Accommodation reports in coordination with RSCC and LAD.
• Package credit proposals per bank, BSP guidelines and regulations.

Skills

SME accounts experience

Proposal packaging

MS Office proficiency

Travel readiness

Job description

The SME Officer markets the bank products and identifies every business opportunity from each referred client and designs package that will ensure optimum profitability of the account and promotes further business relationship.

Your Impact

• Generated portfolio must be of good quality and income generating
• Scouts for potential clients from branch referrals, performs client calls and project visits
• Identifies every business opportunity from each referred client and designs package that will ensure optimum profitability of the account and promotes further business relationship
• Conducts client visits alone or jointly with supervisor or proposing Branch Manager and/or phones clients in accordance with bank standards
• Requests the property appraisal and/or credit investigation of the potential client and checks the appraisal and/or credit investigation reports prepared by CAS.
• Ensures that overall creditworthiness of account is established before presentation to the approving body.
• Prepares Application for Accommodation report in coordination with RSCC and LAD.
• Packages credit proposals in accordance with the guidelines of the bank, BSP and other regulatory agencies.

Your Profile

• Experience in handling SME/Small & Medium Enterprises Accounts for at least 1 year
• Has an experience in packaging proposal and presentation to Credit Committee
• Proficient in Windows based programs (Word, Excel, Power point)
• Able to travel frequently and for extended period to provincial areas