Relationship Manager

Role Purpose:

• Responsible for the build-up and management of a profitable & quality loan portfolio, as well as total banking relationship with existing and target clients.
• Coordination with relevant external agencies, financial institutions, internal department/units within the bank

Duties and Responsibilities:

PRIMARY JOB DUTIES:

1. Generates revenue growth & account profitability by:

• Understanding thelogic of a targeted industry & identifying its key players as prospective clients.
• Understanding the business strategy, business performance, financing requirements & payment capacity of existing & prospective clients through thorough credit evaluation & financial analysis using industry reports, financial statements & other relevant information.
• Preparing comprehensive Financial Package (Credit Application) for approval by the Credit Committee, Executive Committee or Board of Directors.
• Preparing line renewals, offering tickets, call reports, classified account reports & other such reports necessary for effective account monitoring.

2. Achieves total banking relationship for by performing the following marketing activities:

• Conducting tele-marketing calls & office/factory visits to clients.
• Offering additional loan facility to address business expansion or diversification.
• Cross-selling other Bank products (e.g. Deposit products, Trade, Cash Management and Advisory, Treasury products)

3. Maintains quality loan portfolio by performing the following due diligence:

• Monitoring the business performance of clients, as well as prevailing industry
• Minimizing the occurrence of past due accounts by identifying early warning signals.
• Minimizing the ratio of classified accounts to total loan portfolio.

4. Making of account plans/strategy to help in the realization of targets

RISK MANAGEMENT DUTIES:

1. Maintains effective credit management by:

• Compliance with credit policies, procedures & processes at all times.
• Ensuring full or optimum utilization of approved lines by constant monitoring of credit availments.
• Coordinating with various units to ensure full compliance to the credit process at all times.

2. Manages risks by:

• Observing established operational controls & procedures, as well as complying with the Banks policies & regulatory issuances at all times.
• Developing & institutionalizing risk mitigants.

COMPLIANCE DUTIES

• The RM shall conduct KYC on customers and ensure that the CDD and EDD policies of the bank are complied with.

Qualifications:

• At least 3 years banking experience
• At least 2 years experience in Corporate or Commercial Banking
• Must have existing portfolio of major Philippine conglomerates (i.e.Ayala, San Miguel, Aboitiz, JG Summit, MPIC, SM Group, Razon Group).