Available Locations:

Davao

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Your Profile

The SME Account Officer/Business Development Executive is responsible to acquire, develop and manage profitable, good-quality SME relationships by prospecting and converting new-to-bank opportunities, expanding existing borrower relationships, assessing creditworthiness, structuring and packaging appropriate credit facilities, cross-selling relevant bank products, and ensuring effective account servicing, timely renewals, asset-quality preservation and compliance with bank and regulatory requirements. Also, role supports SME Banking growth by balancing business generation and relationship profitability with sound credit, risk and portfolio-management discipline.

Your Impact

A. Business Development and Client Acquisition

Achieves assigned business targets through a portfolio that is income-generating and of acceptable quality.
Sources potential SME clients through the bank ecosystem, branch and existing-client referrals, and own-generated leads.
Conducts client calls, project visits and business-development activities independently or jointly with the SME Manager, Branch manager or referring personnel.
Identifies client needs and business opportunities and develops suitable banking packages intended to support account profitability and continuing relationships.
Acquires new-to-bank business while maintaining responsibility for developing existing clients.

B. Existing Portfolio Growth and Relationship Management

Reviews existing borrower relationships for line increases, additional facilities and other business opportunities.
Cross-sells applicable bank products, including Auto Loans, Personal Loans, Home Loans and Deposit products.
Maintains continuing client contact and addresses account concerns, documentary deficiencies and receivable collection requirements.
Applies approved ADB and pricing requirements and obtains appropriate approval for any waiver request.

C. Credit Assessment, Proposal Preparation and Approval Coordination

Establishes the overall creditworthiness of prospective and existing borrowing relationships before submission to the approving body.
Initiates property appraisal and/or credit investigation and reviews the resulting reports.
Prepares the Application for Accommodation in coordination with RSCC and LAD.
Packages credit proposals in accordance with bank, BSP and other regulatory guidelines.
Checks whether accounts are DOSRI or related-party transactions and ensures applicable handling requirements are followed.
Secures credit-proposal approval from the proper approving authorities.

D. Account Implementation and Servicing

Coordinates implementation and servicing with LAD, Accounting, Legal, RCC and other relevant support units.
Follows through on insurance-policy submission for newly booked accounts and renewal of coverage upon expiry, where applicable.
Ensures timely collection of receivables, completion of documentary deficiencies and resolution of client-account concerns.
Ensures accurate SME and Agri-Agra tagging.

E. Portfolio Monitoring, Renewals and Asset Quality Management

Ensures OAAs are renewed and implemented on time.
Monitors loan payments, maturities and renewal schedules and presents renewal requests early enough to avoid account delinquency.
Monitors and classifies accounts promptly to preserve asset quality.
Develops and follows through on necessary action plans for accounts requiring early care, with close monitoring intended to prevent migration to NPL.

Your Profile

Graduate of any Bachelor's/College Degree program.
With at least 2 years of relevant work experience.
Demonstrates strong strategic thinking, leadership, and management capabilities.
Banking experience with a background in lending, account management, and credit evaluation is an advantage.

SME Account Officer - Mindanao