JOB DESCRIPTION

JOB TITLE Account Officer

REPORTING TO Team Head
SUPERVISES Account Assistant
GROUP/DEPARTMENT/UNI
Account Management Group
T
DATE LAST UPDATED March 2, 2020

I. Job Purpose

The Account Officer is responsible for soliciting and generating new commercial and corporate
loan accounts and managing existing ones, while ensuring desired profitability and satisfactory
credit quality of handled loan portfolio.

II. Primary Accountabilities – Key Activities

Primary Accountabilities Key Activities

Establishes direct relationships Interfaces with middle and senior management of
with identified clients target clients

Coordinates closely with clients for loan-related

concerns (i.e., loan approval, documentation, loan
availments/roll-overs, post-release management and
servicing of other concerns)

Cross-sells other bank products based on available

product offerings in order to deepen the Banks’ wallet
share on the accounts
Manages and maintains good Performs due diligence on accounts and ensures proper
quality portfolio credit evaluation

Ensures compliance with individual revenue targets and

account conversions/profitability

Prevents occurrence of past dues

Ensures portfolio’s full Regularly monitors client’s submission of document
compliance with audit deficiencies
requirements
Interfaces with senior Presents loan package of solicited and existing accounts
management of the Bank for Credit Committee and/or Executive Committee
approval
Coordinates with various units of Coordinates with branches for proper servicing of
the bank to ensure timely and accounts and maintenance of deposits
efficient delivery of service to
customers Coordinates with loans operations for booking and
other credit-related activities

Coordinates with documentations team for account

documentation

III. Qualifications and Competencies

Qualifications
 Graduate of a four-year college program, preferably business-related
 With four to seven years of experience in bank relationship management,
credit, structured loans, and project finance
Competencies
 Must have knowledge on commercial banking and corporate finance products
 Must have knowledge on financial analysis and risk management
 Must have leadership and organizational skills
 Must have excellent communication and interpersonal skills
 Must be computer-literate

IV. Working Relationships

Internal
 Region Head/Team Head – for leadership and guidance on account management

 Branch Managers – for servicing and maintenance of client’s deposits

 Operations Group – for implementation of clients’ bookings and other
transactional requirements

 Documentations Group – for the preparation of the necessary documentary

requirements for loan bookings

External
 Direct contact with customers’ mid-level managers to develop/maintain business
relationship