The Commercial Banking Relationship Manager is responsible in managing the needs of the large and middle market corporate clients. They are assigned to: (1) cultivate trust and partnership and be designated as one of the top bankers of their existing and potential corporate clients; (2) grow the profitability of its portfolio of accounts by providing timely and appropriate financial solutions to these clients; and (3) ensure positive customer experience with the bank, all within the bank's policies and guidelines.

Core Responsibilities:

Portfolio Management – Relationship Manager is responsible in managing a portfolio of corporate clients and ensuring its profitability. The RMs are expected to cultivate trust and partnership with their clients by initiating sales calls, client engagements, and visits to ensure that all their client needs are properly addressed in a timely manner and with adherence to regulatory and internal policies.
Revenue and Income Growth – Relationship Managers ensures attainment of income and volume targets through implementation of business development strategies and initiatives that enhance the breadth and depth of product portfolio in response to corporate clients needs. This will help in achieving and sustaining competitive positioning in the market, resulting in optimization of customer satisfaction, retention and wallet share.
Customer Care – Relationship Managers ensures positive customer experience with the bank by constantly soliciting customer feedback, competitive scan and market intelligence and working closely with the product groups, channels, operations, legal and compliance units in the bank toward the furtherance of this objective. The RM's insights and close collaboration with the Bank's internal units are key to relevant product development and service enhancement.
Loan Negotiation, Documentation and Administration – Relationship Managers collaborates with Credit partners in structuring loan packages and on-time line renewals. The RMs also negotiates line terms and conditions with clients then ensures complete documentation and set up of credit approvals. Likewise, the RMs also assist the Credit partners in presenting the account to the Bank's credit approving bodies.
Monitoring Loan Portfolio Credit Quality – Relationship Managers are responsible in monitoring the credit quality of loan portfolio and ensures full compliance with credit policies and standards. Should a loan deteriorate in credit quality or becomes past due, the RMs should strategize and pursue options for loan recovery. After exhausting all efforts, the RMs are responsible for passing on recovery efforts to the Special Account Management Department.
People Management – Large Corporates Relationship Managers are responsible in training the Service Associate on day-to-day activities to achieve the client expectations and bank goals.

Qualifications:

College graduate preferably with a degree in business-related discipline such as Banking, Accounting or Finance
At least 3 years of banking experience serving commercial accounts either as part of service staff, account management, products, or channels and/or related disciplines
Knowledge in markets, credit and lending, operations, credit policies, risk management and commercial banking products and services to enable cross-selling
Knowledge of Philippines regulatory standards and compliance guidelines
Knowledge of working with commercial clients
Willing to be assigned in Guiguinto, Bulacan

Commercial Banking Relationship Manager - Bulacan