Commbank Visayas Team Head

About the role The Combank Team Head ensures that the actual bottom line (Net Income) of the Banking Center will meet the target set by the Bank to meet required risk return parameters. He/She makes sure that all transactions emanating from Marketing are in accordance with the Bank's policies and procedures (satisfactory audit results). How you'll contribute Analytical and Critical Thinking Guides the Relationship Managers (RMs) in restructuring past due accounts and in the collection efforts of the Marketing Division to recover principal and minimize losses for the Bank. Presents and justifies the packages of solicited accounts for Credit Committee and Senior Credit Committee approvals to achieve targets set. Business Acumen Evaluates the profitability of the Banking Center and determines the strategy to be taken to meet targets. Client Relationship Management · Reviews the daily transactions of the Team by approving loan releases, renewals and extensions to ensure that income potential is maximized. Leadership/Management · Acts as the General Administrator of the Banking Center through general supervision of all employees to be able to move the whole team forward. · Reviews and evaluates the processes and development of subordinates by addressing the needs of subordinates to ensure personal and professional growth of the individual. · Responsible for all the activities of the lending hub under them with respect to evaluating, packaging, restructuring, servicing, profitability, strategy of overall portfolio as well as the daily transaction, manpower requirement, training and development to achieve targets. Marketing Adeptness · Guides RMs when they market and solicit accounts for deposits, placements, loans and other trade-related transactions by joining client calls to ensure a holistic wrap around strategy. Needs Analysis and Solution Matching · Guides RMs in packaging of credit facilities to ensure the matching of client's needs. · Services branch referred accounts that need credit accommodations within their respective areas by joining client calls and assigning an RM to manage and identify their needs Portfolio/Investment Management · Manages the portfolio of the Banking Center i.e. industry exposures, etc. to ensure compliance to internal and BSP guidelines. It is accepted and understood that the employee may perform other related tasks which may be assigned from time to time. JOB QUALIFICATIONS Years of Work Experience: 5 years and up experience Educational Attainment/Required Course (if applicable): Bachelor’s Degree in Industrial, Mathematics / Statistics, Business Studies / Administration / Management, Commerce, Economics, Finance / Accountancy / Banking, Marketing, Management Engineering Required Certification/Professional License: N/A Job Specialization: Banking and Financial, Corporate Finance / Investment, General / Cost Accounting, Credit (Evaluation/Appraisal), Sales-Corporate, Sales-Financial Services Knowledge and Skill Requirements: · Sales and marketing as well as competence in credit evaluation · Leadership and negotiation Skills; effective relationship management skills · Ability to communicate clearly and effectively with all levels of the organization and external parties.