Relationship Manager-Retail Banking

Company: Union Bank of the Philippines

Position: Relationship Manager - Retail Banking

Job Summary

The Relationship Manager formulates, designs, plans, executes, and manages sales and marketing strategies (within the contest of bank wide or broader institutional objectives) to maximize business volume and deposits while maintaining teamwork with the service ad operations personnel.

Duties And Responsibilities

• Business Generalization
• Plans, organizes, leads and undertakes business generation programs, specifically to increase account base (number of depositors) and total funds portfolio.
• Conducts continuing market survey to pinpoint prospective clients, determines their banking requirements and what the competition is providing them; determines products and services appropriate to client’s specific requirements and packages these accordingly to outflank competition.
• Regularly conducts business calls and presentations to prospective clients; accomplishes and submits a Call Report of all marketing activities/sales calls to the Region Business Head.
• Conducts periodic calls to existing clients to determine their perception of the bank’s products and service quality as well as explore opportunities for cross-selling, leveraging, and relationship improvement.
• Provides specific guidelines (i.e., standing instructions) to branch service personnel on the scope of relationships to be established/maintained for every client.
• Formulates and executes strategies to ensure attainment of business volume/budget.
• Screens and evaluates credit worthiness of clients who request for credit accommodations (e.g., credit cards, auto loans, mortgage, business line, and/or bills purchase line); endorses credit applications with complete justification and documentation requirements to the Regional Office for further endorsement/processing.
• Harnesses the resources of all support or of other business units for more efficient client base conversion and deposit generation, as well as to provide clients with meaningful and competitive products and services (i.e., includes sales leads conversion activities, auto loans/credit cards/business line/bank assurance etc. referrals/production).
• Operations and Service Quality
• Ensures that customer requests, suggestions, and complaints are immediately and satisfactorily addressed/resolved by concerned personnel and/or units.
• Co-signs instruments and transaction documents which require counter-signatures within policies and defined signing authorities.
• Coordinates with the Branch Manager in ensuring that all branch service and operations personnel are oriented with bank products and services, and are trained on basic selling skills; encourages them to take advantage of every opportunity to cross –sell and regularly coaches them on how to cross-sell.
• Coordinates with the Branch Manager in ensuring that the branch projects the image of a progressive, efficient, and stable bank that is worthy of patronage through:
• Well-maintained furniture and equipment
• Well-appointed display of Head Office-provided promotional materials on bank products and services; and
• Well-trained, smartly dressed, courteous, and customer service-oriented personnel
• Co-conducts with the Branch Manager regular branch staff meetings for disseminating information on new products/services, coordination issues between the RM and the service & operations personnel, handling of specific accounts, etc.
  
  

Qualifications

• Bachelor's degree in Business, Marketing or any relevant course.
• Proven ability to generate new CASA Deposit, grow account portfolios, and conduct effective client calls and presentations.
• Skilled in maintaining and enhancing client relationships through regular engagement, cross ‑ selling of bank products, and delivering high-quality service.
• Ability to assess client banking needs and evaluate creditworthiness for various loan and credit products.
• Able to clearly articulate banking products, conduct persuasive sales presentations, and coordinate effectively with internal teams.
• Capable of working closely with branch operations, guiding staff on product knowledge and cross ‑ selling, and aligning with branch managers on service quality initiatives.
  
  

Required Skills: Accountability, Adaptability, Analytical, Good Communication Skills, Critical thinking, Teamwork, Willingness to learn, Relationship Management, Account Management, Sales