West Visayas Lending Center Head

RCBC; Makati; On-site; PHP 2,500,000 - 4,500,000; Full time

Job summary

RCBC in Makati seeks an experienced banking leader to oversee the Relationship Management and Credit analysis team, driving marketing of commercial banking products to SMEs and ensuring profitable outcomes. You will review and endorse credit proposals and present to the appropriate approval bodies.

The role requires 10 years in credit analysis and account management, with proven leadership, regulatory knowledge, and strategic planning capabilities.

Qualifications

• Ten years of industry experience in credit analysis and account management.
• Working knowledge of credit analysis, bank products, banking regulations, and regulatory documentation.
• Strong leadership and supervisory skills.
• Decision-making capabilities for risk and client outcomes.
• Excellent organization and planning abilities.

Responsibilities

• Implements and monitors marketing plans and budgets aligned with annual targets.
• Oversees RM marketing and account management activities and cross-selling efforts.
• Directly manages key SME accounts and pursues new business opportunities.
• Supervises RM performance, reviews monthly results, and identifies improvement plans.
• Ensures accuracy of credit proposals and adherence to policies; presents to senior committees.

Skills

Credit analysis

Account management

Leadership

Decision-making

Organization & planning

Job description

• Implements and monitors strategies as mandated / initiated by the Group Head and Division Head. Directly manages activities of a team of Relationship Managers (RMs) / Relationship Associates (RAs). Responsible for the marketing and delivery of bank products and services to commercial and SME customers with the objective of deriving profits for the Bank. Thoroughly/extensively reviews, assesses and endorses credit proposals to the proper endorsing / approving body.

Job Summary

• Implements and monitors strategies as mandated / initiated by the Group Head and Division Head. Directly manages activities of a team of Relationship Managers (RMs) / Relationship Associates (RAs). Responsible for the marketing and delivery of bank products and services to commercial and SME customers with the objective of deriving profits for the Bank. Thoroughly/extensively reviews, assesses and endorses credit proposals to the proper endorsing / approving body.

How will you contribute?

• Implements marketing plans, strategies, action plans and objectives in line with the annual budget. Executes effective plans in achieving the center's profit objectives and other goals which contribute to overall group and Bank targets.
• Oversees and applies the marketing and account management activities of Relationship Managers through monitoring cross-selling efforts, coordination of daily transactions, solicitation and completion of deals.
• Directly manages key accounts and solicits new businesses for the Center. Joins client calls/ocular inspections.
• Supervises and monitors Relationship Managers' performance to ensure compliance with targets set. Reviews actual monthly performance vis-a-vis targets. Determines whether performance is below or above the target for respective RMs to be able to identify specific areas for improvement and come up with specific plans for each RM.
• Ensures all credit proposals are accurate by thoroughly reviewing credit applications prepared by Relationship Managers. Ensure adherence to established credit policies / regulatory requirements and maintains high credit quality of loan portfolios. Reviews customers' requirements, organization's capabilities, industry competition, and the general business environment. Approves / recommends credit proposals to higher credit authorities. Attends/presents to Crecolcom / Excom / Board.

What will make you successful?

• Ten (10) years industry experience in the areas of credit analysis and account management.
• Working knowledge of credit analysis, common bank products / services, banking regulations and respective legal documentation, marketing of corporate banking products / services.
• Leadership and supervisory skills.
• Decision-making skills.
• Organization and planning.