Relationship Manager - Commercial Banking Laguna

Group Company: Union Bank of the Philippines

Designation: Relationship Manager-Commercial Banking (Laguna)

Office Location: UBIC - Laguna

Job Summary: Manages loan portfolios by evaluating credit applications, preparing approval documents, monitoring account performance, and coordinating with internal teams to ensure sound credit decisions and effective resolution of problematic accounts.

Duties And Responsibilities

• Manages loan portfolios by evaluating credit applications, preparing approval documents, monitoring account performance, and coordinating with internal teams to ensure sound credit decisions and effective resolution of problematic accounts.
• Manages existing loan portfolio and markets for new loan accounts Makes credit evaluations and prepared credit memoranda for approval Presents accounts to approving body
• Screens loan applicants referred by branches by evaluating and analyzing credit worthiness of these accounts.
• Recommends for approval credit worthy clients.
• Prepares Credit Recommendation and Approval Memorandum (CRAM).
• Conducts financial analysis/credit packaging.
• Conducts plant visits to check on how the business of the client is doing.
• Monitors financial condition/viability of the accounts being handled.
• Performs remedial management on potentially problematic accounts.
• Updates Center/Sector Head on performance of accounts being handled.
• Coordinates with Legal Management Services Sector and Collection, Assets Recovery and Disposal Sector on handling of problematic accounts
• Answers queries, complaints, or requests from borrowing clients.
• Attends to ExCom and Loan COMM as needed to present recommendations
  
  

• Bachelor's degree in Finance, Business, Economics, Accounting, or a related field.
• Strong interpersonal and communication skills with the ability to effectively engage and build relationships with clients and stakeholders.
• Basic understanding or willingness to learn client servicing, financial analysis, and credit evaluation .
• Demonstrates a customer-centric mindset with skills in customer data gathering, advisory, and identifying business opportunities.
• Strong critical thinking, attention to detail, teamwork, and relationship management skills, with a commitment to delivering personalized client experiences