Unit Head (IBG - Davao)

BDO Unibank; Davao City; On-site; PHP 1,200,000 - 2,400,000; Full time

Job summary

BDO Unibank, Inc. in the Philippines seeks an experienced banking professional to manage a portfolio of commercial and corporate accounts. You will maintain solid client relationships, understand client operations, and drive revenue growth through pricing and product collaboration.

The role requires deep credit analysis, loan packaging skills, and leadership to mentor team members while ensuring adherence to bank policies and 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

Responsibilities

• Maintains solid relationship with clients and communicates with key client decision makers.
• Understands clients' operations and markets through regular client contact and site visits.
• Manages a portfolio sub-set of credit-worthy accounts to influence volume and profitability.
• Varies client mix to ensure diversity of portfolio and avoid excessive concentration.
• Drives pursuit of new clients and product enhancements.
• Monitors profitability of disbursement and product usage and coordinates with teams on pricing and product mix.
• Ensures proper disposition and booking of fees and commissions within bank policies.

Skills

Relationship management

Credit analysis

Loan packaging

Commercial accounts

Job description

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:

• 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 prfitability 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 collection 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.

Credit and Rist Management

• Tracks adherence to bank policies procedures such credit review and documentation requirements and work plans, problem account management;
• Evaluates periodically with the Relationship Managers the suitability of loan facilities against market conditions, competition, perceived growth and risk
• factors;
• Reviews and recommends credit proposals based on quality fo credit and cash flow statements, collateral and other risk mitigants and adherence to bank
• Guides and mentors 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.

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