Relationship Manager

The Relationship Manager (RM) is primarily responsible for the overall relationship of the Bank with existing customers and the
development of prospective relationships. Serving as the official representative of the Bank and working closely with various bank
units, the Relationship Manager builds and maintains effective long-term relationships with customers to ensure a high level of
satisfaction and increase in revenues.

Marketing
1. Solicits, develops and originates new deals and business opportunities from existing and prospective accounts and manages the
loan-and-trade-related relationship of his assigned portfolio, through:
 Understanding of clients’ operations and markets through regular client contact, plant visits, updates on local and global
industry development;
 Match-up of Bank products and services with identified clients’ operating needs
 Monitoring of credit status by analyzing company financial and other data validated with competition and third – parties;
 Timely preparation and completion of credit proposals in accordance with the Bank policies.
2. Builds and maintains effective long-term relationships with existing and prospective customers;
3. Initiates and maintains strategic relationships with stakeholders inside and outside the organization (e.g., customers, peers, crossfunc
tional partners, external vendors, and alliance partners) to advance business goals;
4. Analyzes current and prospective portfolio and prepares growth and profitability account strategies;
5. Identifies, develops and closes new sales leads/opportunities;
6. Maximizes each sales interaction by building on customer cues to gain commitment to products, services, and solutions;
7. Delivers/achieves revenue targets and manages and grows assigned portfolio.
8. Represents the Team/Bank’s interest in various bank events, internal meetings, industry and professional gatherings, in a dignified
and professional manner.
Administrative
1. Coordinates with various support units on documentation requirements to ensure the smooth implementation of
approved credit proposals and the transactions emanating from it;
2. Monitors and ensures clients’ compliance with the documentary requirements;
3. Informs Management of opportunities or threats to client relationships and recommends countermeasures;
4. Alerts Management of possible deterioration of clients’ credit condition requiring a strategy/action plan and/or Remedial
Management Unit transfer;
5. Ascertains proper disposition and booking of fees and commissions due to and from clients within the time frame
allowed by Bank policies and procedures.
Servicing
1. Guide and mentor RM Assistants to improve servicing skills and initial credit and marketing efforts, such as:
 Ensuring that regular transaction details such as maturities, repricings, PN renewals, paydowns, and others are
coordinated/facilitated properly and efficiently with the clients and with various servicing units of the Bank
 Gathering data/documents from Borrowers and other support units (credit checking, trade checking, Financial
Statements, Projections, Account Profitability Analysis (APA), collateral business) necessary for the establishment/renewal
of credit facilities.
 Preparing drafts of Quick Credit Proposal (QCP) for case-to-case transactions.
2. A􀆩ends to client’s complaints and recommends solution of concerns/issues by elevating to the proper person or unit to
avoid dissatisfaction of clients.
Commercial Banking - Vismin
Western Visayas - Panay