Business Manager (Don Antonio Heights)

POSITION TITLE : BUSINESS MANAGER REPORTS TO : AREA HEAD DIRECTLY SUPERVISES : CUSTOMER ADVISOR, SALES OFFICER(S), SALES ASSOCIATE(S) UNIT / DEPARTMENT : ASSIGNED BRANCH / ASSIGNED AREA DIVISION/GROUP : ASSIGNED REGION / ASSIGNED BBG DISTRIBUTION / BRANCH BANKING GROUP JOB SUMMARY The Business Manager ensures the achievement of the business deliverables of his/her branch assignment through the strategic implementation of sales initiatives and activities. Engages and motivates branch personnel to meet and exceed branch goals. He/She provides innovative and value-driven financial solutions to meet the banking needs of our target market. Oversees the branch’s overall performance, including sales, service delivery, profitability, and administrative, operational, and control functions. PRINCIPAL DUTIES AND RESPONSIBILITIES Business Acumen Proactively addresses industry competition and market conditions to maximize strengths and opportunities, while managing branch profitability through business growth, income optimization, and expenditure control. Client Relationship Management Build and maintain strong client relationships through regular visits and financial reviews. Ensure customer satisfaction and retention with regular follow-up. Collaborate with partner units for successful cross-sells. Deal Management/Negotiation Promote and sell banking products and services, such as savings accounts, credit cards, and loans. Effectively present bank products to grow the customer base. Needs Analysis and Solution Matching Conduct thorough needs analysis to accurately profile prospects and maximize their potential. Collect and verify required documents for account openings and loan applications. Complaints Management / Issue Resolution Addresses customer issues and complaints by taking actions and providing solutions to retain customers and encourage patronage and loyalty Information Administration and Financial Analysis Monitors and reviews actual performances versus targets based on MIS reports to determine the percentage of achievement and plans actions with respective team members to close gaps. Adheres to management directives on record keeping by devising an effective system of filing and maintenance of documents, correspondences and customer information resulting in an accurate, up to date and readily available data Leadership/Management Creates a dynamic, effective and highly motivated team thru consistent and regular engagement with the group (e.g. daily huddles, meetings, social activities) to promote excellence, teamwork and camaraderie in the workplace Develops the entire branch sales force thru coaching, mentoring, strategizing and monitoring to produce and retain highly competent and results-driven sales talents (e.g. CAs, SOs and SAs) Understanding and Application of Compliance and Regulatory Guidelines Identifies and endorses customers for credit accommodations, waivers and special approvals while adhering to set bank guidelines to ensure accurate price quotes, mitigate risks and realize potential income Assumes identified operational functions by performing the role of an alternate custodian and control officer and as co/dual signatory in order to meet TATs and ensure seamless flow of transactions Governance, Control and Risk Management Complies with the mandates of the bank, BSP and other regulatory bodies by adhering to policies, guidelines and law (e.g. AMLA, KYC, Bank Secrecy Law, Data Privacy Act) to avoid sanctions that may result to reputational damage and financial loss 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 : 3 - 4 years Educational Attainment/ Required course (if applicable) : Bachelor's / College Degree in Business Studies/Administration/Management, Commerce, Economics, Finance/Accountancy/Banking, Marketing Required Certification/Professional License ( if applicable ): Field of Specialization ( if applicable ): Banking and Financial, Corporate Finance/Investment, Sales-Corporate, Sales-Retail, Sales-Financial Services Industry: Banking, Insurance, Leasing/Financing Institutions Knowledge and Skills Requirements: · SBC Leadership Capability Framework for People Managers (Level 3) · Functional Competencies: o Account Opening/Booking o Banking Products o Regulatory Environment: Financial Services o Cross-Selling o Perseverance and Follow Through o Sales Function: Branch Banking o Understanding Customer Needs