Relationship Manager - Commercial Banking

Your Role

The Relationship Manager 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. The 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/RGCM 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

• Bachelor's Degree in Accountancy, Business Administration, Commerce, Banking & Finance, or any related field.
• At least 2 years of relevant working experience.
• Have relevant experienced in marketing and relationship management in corporate banking.
• Banking experience with a background in lending, account management, and credit evaluation is an advantage.