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Lending Head - Wealth

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This role is pivotal in providing clients with access to the Bank's Credit Facilities against investments. You will manage and monitor accounts to ensure a robust loan portfolio, generate additional income for the bank through interest income, and liaise with subsidiaries and affiliates for clients' funding requirements outside of margin loans. This is an opportunity for someone with dependable credit evaluation and a comprehensive understanding of loan facilities and structures.

Lending Head - Wealth

Salary: Competitive and based on experience

Location: Makati

Keywords: Lending, Officer, Banking, Credit Facilities, Loan Portfolio, Account Management

Our client is seeking a highly skilled and experienced Wealth Lending Head - Wealth to join their team. This role is primarily responsible for providing clients with access to the Bank's Credit Facilities against investments (margin loans). The successful candidate will manage and monitor accounts to ensure a healthy loan portfolio, generate additional income for the bank through interest income, and coordinate with subsidiaries and affiliates for clients' funding requirements outside of margin loans. This is an excellent opportunity for someone with strong interpersonal skills, good credit evaluation and analytical abilities, and a deep understanding of loan facilities and structures.

  • Provide clients with access to the Bank's Credit Facilities against investments
  • Manage and monitor accounts to ensure a healthy loan portfolio
  • Generate additional income for the bank through interest income

What you'll do:

As the Head of Lending Officer, your primary role will be to provide clients with access to the Bank's Credit Facilities against investments. You will be responsible for soliciting, developing, and originating new deals from both existing and prospective clients. Your keen eye for detail will be crucial in evaluating client’s existing holdings/investments to determine the loanable values in line with Bank policies. You will also collaborate closely with various units within the bank to ensure acceptability of collaterals and compliance with credit policies.

  • Solicit, develop and originate new deals and business opportunities from existing and prospective clients
  • Evaluate client’s existing holdings/investments to determine the loanable values in accordance with Bank policies
  • Prepare timely credit proposals
  • Conduct necessary checks (i.e. Loandex, NLDS, NFIS) and secure all necessary documents for credit facility establishment
  • Collaborate with various units of the bank to ensure acceptability of collaterals and compliance to credit policies
  • Present Credit Proposal to the appropriate approving body
  • Conduct client calls to discuss Client’s options for their funding requirements
  • Initiate and maintain strategic relationships with stakeholders inside and outside the organization
  • Analyze Clients current portfolio for possible increase in loan exposure
  • Generate additional business from existing business relationships

What you bring:

The ideal candidate for the Lending Head - Wealth role will bring a wealth of account management experience, preferably with at least 8 years in a universal or commercial bank. You will have proven experience in doing loans vs. investments and have exposure in dealing directly with Owners or Top Management or Corporations. Your knowledge in loan facilities and structures, mortgage, documentation and pricing will be crucial to your success in this role. Additionally, you will possess good credit evaluation and analytical skills, strong interpersonal communication abilities, and the capacity to interface effectively with strong personalities.

  • Bachelor's degree relevant to the job preferably in Accounting and Finance
  • Account Management experience; preferably with at least 8 years experience with universal or commercial bank
  • Experience in doing loans vs. investments
  • Exposure in dealing directly with Owners or Top Management or Corporations
  • Knowledge in loan Facilities and structures, mortgage, documentation and pricing
  • Market, business and industry understanding
  • Good credit evaluation and analytical skills
  • Good social/marketing and negotiation skills
  • Strong intrapersonal, communication and written skills
  • Ability to interface effectively and independently with strong personalities (internal and external)
  • Computer literate (Word, Excel, PowerPoint)

What sets this company apart:

Our client is a leading financial institution that prides itself on its commitment to providing exceptional service to its clients. They offer a supportive work environment where teamwork and collaboration are encouraged. This is an excellent opportunity to join a dynamic team within a company that values hard work and dedication.

What's next:

Ready to take the next step in your career? Apply now!

Apply today by clicking on the link!

Due to the high volume of applications we are experiencing, our team will only be in touch with you if your application is shortlisted.

Contract Type: FULL_TIME

Specialism: Banking & Financial Services

Focus: Investment Operations

Industry: Banking

Salary: Negotiable

Workplace Type: On-site

Experience Level: Senior Management

Location: Makati

Job Reference: 17NZEV-376F4629

Date posted: 20 January 2025

Consultant: Elin Ramos

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