Team Head

BDO Unibank, Inc.; Davao City; On-site; PHP 800,000 - 1,400,000; Full time

Job summary

BDO Unibank, Inc. seeks a Senior Relationship Manager to drive attainment of business goals, oversee client relationships, and maintain portfolio credit quality.

The role requires leadership over a banking team, strong credit analysis, and the ability to manage commercial and corporate loan portfolios across the Philippine market.

Qualifications

• Bachelor's Degree required with minimum 10 years in banking and at least 5 years in an officer level in account solicitation and relationship management (commercial and corporate loans)
• Above average credit analysis and loan packaging skills

Responsibilities

• Maintain solid relationships with clients and communicate with key decision makers
• Understand client operations and markets through regular contact and site updates
• Manage a portfolio subset of creditworthy accounts to influence volume and profitability
• Pursue new clients and product enhancements while monitoring pricing and product mix
• Ensure proper booking of fees and commissions within bank policies and timeliness

Skills

Credit analysis

Relationship mgmt

Portfolio management

Leadership

Education

Bachelor's Degree

Tools

CRM software

Job description

Job Description:

Job Mandate

Primarily responsible for the assigned Teams attainment of business goals including revenue generation and account management, maintenance of portfolio credit quality and supervision of manpower resources of the Team.

Duties and Responsibilities

Portfolio Management

1. Ensures solid and continuing relationship with the clients and direct communication with key client decision makers;
2. understands clients operations and markets through regular client contact, plant visits updates on local and global industry developments;
3. Manages a portfolio sub-set of credit worthy accounts that can influence volume, usage pricing and prfitability as/when needed;
4. Varies client mix to ensure diversity of portfolio and avoid excessive concentration;
5. Drives the pursuit of new clients and product enhancements;
6. Monitors profitability of disbursement and collection product usage and coordinates with Team and operating units on pricing and product mix adjustments as needed;
7. Ascertains proper disposition and booking fees and commissions due to and from assigned clients within time frame allowed by Bank policies and procedures.

Credit and Risk Management

1. Tracks adherence to bank policies procedures such credit review and documentation requirements and work plans, problem account management;
2. Evaluates periodically with the Relationship Managers the suitability of loan facilities against market conditions, competition, perceived growth and risk factors;
3. Reviews and recommends credit proposals based on quality fo credit and cash flow statements, collateral and other risk mitigants and adherence to bank policies;
4. Guides and mentors Team members to improve sales and credit skills, bolster confidence, encourage growth and positive work experience.
5. Performs other functions as maybe assigned from time to time according to the established productivity and service quality standards.

Qualifications:

• Bachelors Degree graduate with a minimum of 10 years experience in banking and at least 5 years in an officer level role in account solicitation and relationship management (principally in commercial and corporate loans)
• Above average credit analysis and loan packaging skills

BDO Unibank, Inc. provides equal opportunity to all qualified candidates. Hiring decisions are based on job requirements and candidate qualifications, and shall not be influenced by any consideration of race, color, religion, sex (including sexual orientation and gender identity), national or ethnic origin, or disability. Requisition ID: 25458