Unit Head

BDO Unibank; Davao City; On-site; PHP 900,000 - 1,300,000; Full time

Job summary

BDO Unibank, Inc. in the Philippines seeks an experienced Portfolio and Credit Manager to oversee a portfolio of commercial accounts, maintain direct contact with key decision makers, and drive profitability through pricing and product mix.

The role requires a solid banking background with at least 8 years in banking and 3 years in an officer level, plus credit analysis and loan packaging skills. Mentors team members and ensures policy compliance.

Qualifications

• Minimum of 8 years experience in banking, with at least 3 years in an officer level role in account solicitation and relationship management principally in commercial and corporate accounts.
• With credit analysis and loan packaging skills.

Responsibilities

• Portfolio Management: Ensure solid and continuing relationship with clients and direct communication with key client decision makers.
• Understand clients operations and markets through regular client contact and updates on local and global industry developments.
• Manage a portfolio sub-set of credit worthy accounts that can influence volume, usage pricing and profitability as/when needed.
• Vary client mix to ensure diversity of portfolio and avoid excessive concentration.
• Drive the pursuit of new clients and product enhancements.
• Monitor profitability of disbursement and product usage and coordinate with Team and operating units on pricing and product mix adjustments as needed.
• Ascertain 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: Track adherence to bank policies procedures such credit review and documentation requirements and work plans.
• Evaluate periodically with the Relationship Managers the suitability of loan facilities against market conditions, competition, perceived growth and risk factors.
• Review and recommend credit proposals based on quality of credit and cashflow statements, collateral and other risk mitigants and adherence to bank policies.
• Guide and mentor Team members to improve sales and credit skills, bolster confidence, encourage growth and positive work experience.
• Performs other functions as maybe assigned from time to time according to the established productivity and service quality standards.

Skills

Relationship management

Credit analysis

Loan packaging

Job description

Job Description:

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, plantvisits 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 excessiveconcentration;
5. Drives the pursuit of new clients and product enhancements;
6. Monitors profitability of disbursement and collection product usage andcoordinates with Team and operating units on pricing and product mix
   adjustments as needed;
7. Ascertains proper disposition and booking fees and commissions due to andfrom assigned clients within time frame allowed by Bank policies and
   procedures.

Credit and Rist Management

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

Qualifications:

• Minimum of 8 years experience in banking, with at least 3 years in an officer level role in account solicitation and relationship management principally in commercial and corporate accounts
• With 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.