Unit Head

BDO Unibank; Davao City; On-site; PHP 600,000 - 900,000; Full time

Job summary

BDO Unibank is seeking a professional to manage relationships within the Institutional Banking Group in the Philippines. The role focuses on sustaining client relationships, understanding client operations, and coordinating cross-functional teams to optimize credit and profitability.

The incumbent will handle a subset of credit-worthy accounts, pursue new business opportunities, and ensure compliance with bank policies and procedures to support revenue generation and portfolio health.

Responsibilities

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

Job description

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Business Unit: Institutional Banking Group

Department:

Job Mandate

Primarily responsible for the assigned unit's attainment of business goalsincluding revenue generation and account management, maintenance of
portfolio credit quality and supervision of manpower resources of the unit.

Duties and Responsibilities

• Ensures solid and continuing relationship with the clients and direct communication with key client decision makers;
• Understands clients' operations and markets through regular client contact, plantvisits updates on local and global industry developments;
• Manages a portfolio sub-set of credit worthy accounts that can influence volume,usage pricing and prfitability as/when needed;
• Varies client mix to ensure diversity of portfolio and avoid excessiveconcentration;
• Drives the pursuit of new clients and product enhancements;
• Monitors profitability of disbursement and product usage andcoordinates with Team and operating units on pricing and product mix
  adjustments as needed;
• 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

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

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: 25541

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