Relationship Manager for Cagayan De Oro

DUTIES AND RESPONSIBILITIES:

· 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:

o The formulation of marketing strategies/plans and pre-evaluating possible target accounts;

o The maintenance of the bank's competitive position by constantly reviewing/implementing pricing strategies and monitoring of industry developments;

o The effective packaging of credit products to meet client needs;

o 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;

o The proper implementation of the marketing call program;

o 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 :

o 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;

o proper rating of borrower and regular review its risk rating;

o continuous updating of industry information/data/events/ trend and dynamics that may affect customer's financial capabilities;

o 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 visit.

· Out-of-town for clients whose main office is outside Metro Manila, the AO should at least conduct a visit once a year.