I. Job Summary
The Relationship Manager is responsible for driving business growth by acquiring and managing large, small, and medium corporate clients to achieve targeted loan portfolio and profitability goals.
II. Duties and Responsibilitie
- Marketing – Primarily responsible for soliciting banking business large/small and medium corporate customers to achieve predetermined loan portfolio and profit levels in compliance with the Budget Process. The Relationship Manager strategizes and implements
- The formulation of marketing strategies/plans and pre-evaluating possible target accounts
- The maintenance of the bank's competitive position by constantly reviewing/implementing pricing strategies and monitoring of industry developments
- The effective packaging of credit products to meet client needs
- The cross-selling of other services of the Bank (other than Credit in order to totally satisfy and capture the needs of the customer such as fiduciary, corporate finance and non-lending/credit services in compliance with the total relationship concept of the Bank
- The proper implementation of the marketing call program
- The close monitoring of the status of customer relationship in order to assess actual performance on business volume and profitability vis-à-vis the account plan/budget
- .Credit – Responsible for maintaining a good quality loan portfolio through preparation of credit proposals for the granting and/or the renewal fo credit facilities within the required time frame;constant review/analysis of the respective financial condition of individual accounts; proper rating of borrower and regular review its risk rating; continuous updating of industry information/data/events/ trend and dynamics that may affect customer's financial capabilities being sensitive to economic conditions and government policies that may affect a borrower's business and the quality of our exposure
- Visiting the customer's principal place of business on a regular basis If the account's place of business (main office/satellite office) is Within Metro Manila – at least once a month, however, a client call or a phone call done monthly will suffice in lieu of a visi
- Out-of-town for clients whose main office is outside Metro Manila, the AO should at least conduct a visit once a yea
