Unit Head (Commercial Banking - Davao)

BDO Unibank, Inc.; Philippines; On-site; PHP 1,200,000 - 2,000,000; Full time

Job summary

BDO Unibank, Inc. in the Philippines is seeking a seasoned banking professional to manage commercial and corporate client portfolios in a dynamic, leadership‑oriented role.

You will nurture client relationships, assess credit proposals, and mentor team members while driving profitability and compliant risk practices in line with bank policies. The role requires extensive experience in account solicitation, credit analysis, and loan packaging, with leadership to coordinate across product teams.

Qualifications

• Requires substantial banking experience with credit and relationship management for commercial/corporate accounts.
• Ability to analyze cash flows, collateral, and credit proposals in line with bank policy.

Responsibilities

• Maintains solid relationships with clients and communicates with key decision makers.
• Understands client operations and markets through regular contact and updates on industry developments.
• Manages a portfolio subset of credit-worthy accounts to influence revenue and profitability.
• Varies client mix to ensure portfolio diversification and mitigate concentration risk.
• Drives pursuit of new clients and product enhancements.
• Monitors profitability of disbursement and product usage, coordinating pricing and mix adjustments.
• Ensures proper disposition and booking of fees and commissions within policy timeframes.

Skills

Portfolio management

Client relationship

Credit analysis

Loan packaging

Team mentoring

Job description

About BDO

BDO Unibank, Inc. is the Philippines leading full-service bank, offering a wide range of financial and digital banking services. Guided by our brand promise We Find Ways, we are committed to delivering easy, reliable, and customer-focused services. Build your career with a trusted industry leader.

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 Rist 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:

• Minimum of 10 years experience in banking, with at least 5 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