Security Bank is one of the Philippines’ best-capitalized private domestic universal banks. Established in 1951 and publicly listed with the Philippine Stock Exchange (PSE: SECB) in 1995, our major businesses cover retail, corporate, commercial, and business (MSME) banking. 

 We’re recognized as an Employer of Choice in Philippine banking by various award-giving bodies for our values-based culture, industry-leading engagement and benefits, and commitment to work-life balance. 

 Most recently, we ranked #2 best employer in the Philippines and #54 globally on the prestigious Forbes’ World’s Best Employers 2023 list. 

 At Security Bank, our approach to Human Capital Management (HCM) is embodied by our Employee Value Proposition (EVP): “YOU matter.”
Start your BetterBankingcareer with us today. 

 For the complete list of Security Bank's awards, you may visit: https://www.securitybank.com/about-us/awards/

Security Bank

As a Sales Officer, you are responsible for generating the target revenue by offering or delivering the financial services or products to the MSME customers either thru sourcing of own leads and/or working with brokers accredited by Business Banking and Home Loans and agents accredited by SBF. The role requires organizing visibility of all touchpoints, closely engaging the brokers to maximize their referrals, and tracking their production in line with the Bank’s reward system for Brokers in general. The responsibility also includes giving BetterBanking quality of service to the Brokers’ clients for opportunities to expand relationships sans the Broker involvement.

How you'll contribute 

<ul>
	<li>Sells the Bank’s MSME products thru the different broker groups within the Bank to meet monthly sales targets. Ensures proper execution, pre-screening/KYC, and closing of transactions for the brokers’ clients. </li>
	<li>Implements marketing programs, showcases, sales blitzes, and other campaigns. Leads the cadence for the Broker Awarding events and ensures the Business Banking Support Team tracks the production of the Brokers for the rewards.</li>
	<li>Gives regular updates to partners as to their performance, new product offers, promotions, policies, processes, and turnaround time.</li>
	<li>Conducts product training, orientation, or refreshers to the brokers. These include the conduct of MSME education or financial literacy seminars. </li>
	<li>Conducts sales calls on own leads or broker leads</li>
	<li>Performs the regulatory AMLA/Beneficial Ownership due diligence on corporate accounts referred by Brokers who are not yet SBC depositors. Applicable to loan amounts P5M and above.</li>
	<li>Looks out for own training needs to further enhance product knowledge and skills and aptitude in customer service and handling of difficult situations and rejections</li>
</ul>

Sales Officer

Responsible for driving loan product innovation, enhancing profitability, and ensuring alignment with the Wholesale Banking Segment’s business objectives. Partner with client coverage teams to pursue business opportunities and solutions while ensuring the effectiveness and efficiency of loan processes and policies. The role requires a deep understanding of commercial / corporate lending products, market dynamics, and regulatory requirements as well as strong leadership and analytical skills.

<ul>
	<li>Create and launch new loan products/programs and solutions supporting the key business segments of the bank.</li>
	<li>Manage existing products to ensure their continued commercialization, update features and risk parameters based on internal and external regulatory requirements, market practice and competitor landscape to sustain the bank’s value proposition.</li>
	<li>Collaborate with cross-functional teams including Operations, Risk Management, Finance, Compliance and Technology to ensure product compliance and seamless execution</li>
	<li>Perform annual or ad-hoc (as needed) Product Manual review and update.</li>
	<li>Manage loan product Profit &amp; Loss position in close coordination with FinPlan and WBS MIS. Ensure that data received are validated and reflects the expected revenue from both existing accounts and newly onboarded clients.</li>
	<li>Monitor the impact of asset quality, ECL provisions &amp; ROPA gains comparing month-on-month fluctuations and verifying the causes and note significant impact to P&amp;L.</li>
	<li>Initiate a periodic (e.g. quarterly) discussion with business segments to align pricing strategy, escalate observed reductions in margins and align on the direction towards reaching the budget requirement.</li>
	<li>Take full responsibility and accountability on the accuracy of data on business volume and revenue.</li>
	<li>Prepare monthly management report and highlight significant movements or events impacting the P&amp;L.</li>
	<li>Actively collaborate with client coverage, Transformation, EREM teams to structure, create loan financing solutions and services that address the needs of clients.</li>
	<li>Engage closely with Relationship Managers on pipeline monitoring and realization.</li>
	<li>Develop a strong working partnership with internal stakeholders such as Credit Risk, Compliance, Legal, Audit, and support teams such as Credit Operations, MIS, FinPlan, Accounting, Implementation, Onboarding and Service Delivery teams, among others for productive consultations and support in relation to product management and deal initiations.</li>
	<li>Articulate clearly and concisely to a wide range of audience both internal and external, on the varying parameters, benefits, structures, risks and mitigating factors of the bank’s loan portfolio and finance solutions.</li>
	<li>Negotiate effectively with internal and external counterparties in relation to compliance, risk, legal, regulatory and commercial consultations, among others.</li>
	<li>Monitor product commercialization, portfolio outstanding and movements, portfolio quality, adherence / deviations to product parameters, risk criteria, among others, and prepare management reports.</li>
	<li>Create learning modules and conduct product training to internal parties on loan finance solutions.</li>
	<li>Present product and portfolio updates to team and management using presentation tools as per the bank’s branding look and feel.</li>
	<li>Support the client coverage teams and / or present in Townhall, sales rallies and other management meetings to enhance the engagement of internal parties in commercializing the bank’s loan finance solutions.</li>
	<li>Adhere to existing risk, compliance and banking policies such as, but not limited to, HR policies and guidelines on the day-to-day conduct in the office, clients, internal and external stakeholders, among others.</li>
</ul>

Loans Product Management Officer

The Relationship Manager of the Corporate Banking Group develops client portfolio of accounts to deliver budgeted goals and targets through cross-selling of bank products and new account on-boarding. S/He achieves revenue goals by approved through account planning, account profitability and risk management metrics.

<ul>
	<li>Prepares credit proposals alongside the Enterprise Risk Manager/Analyst and presents them to the Bank’s Credit Committee by orchestrating proper credit due diligence on account; Presents a balanced view of risk to approving authority to address clients’ credit facility requirements.</li>
	<li>Identifies, on-boards and develops new client relationships per defined target market by cross-selling appropriate bank products to grow the portfolio and achieve set budgets/goals in terms of Loans, Deposit, Foreign Exchange, Trade, Debt Capital Market, etc.; Uses an Account Plan to establish a profitable and multi-product relationship with clients.</li>
	<li>Manages and grows existing loan portfolio by maximizing wallet share and potential revenues of existing clients, facilitating client transactions, identifying and managing problem accounts including the preparation of watch list reports with action plans, proper classification of accounts for the right provisioning level, and timely referral to the Remedial Management Department when all possible collection efforts have been exhausted</li>
	<li>Ensures compliance with the Bank’s credit policies as well as all other governing policies for transactions that are processed and recommended; Keeps updated on credit policy revisions and enhancements by collaborating with Credit in updating and formulating new credit policies.</li>
	<li>Develops industry and product expertise by understanding clients’ banking needs and cross-selling Sbc’s banking solutions; Benchmarks and networks with other banks’ Account Officers to develop industry/sector knowledge and to be updated with banking practices.</li>
	<li>Oversees Junior Relationship Managers by coaching and mentoring on account strategy and transaction handling in order to achieve the Team’s goals</li>
</ul>

Relationship Manager

About the Role

 

 

As a Skip Tracing Associate, you are responsible for verifying existing and probing new contact information of clients. The purpose of this role is to locate delinquent clients whose whereabouts or contact information is unknown and perform collections actions on any successfully traced clients.

 

How you'll contribute

 

 

• Search all available information sources (social media, friends/family, neighbors, phone directories, employer, , etc.) to gather and verify new client contact information.

• Communicate with clients or related parties with the main goal of collecting promises to pay (PTP) and ensure accurate documentation of all transaction information into the collections system.

• Prepare recommendation of accounts for endorsement to other teams within the division as an escalation measure (field visits, legal, etc.) according to escalation guidelines, in order to reach the client and secure payment.

• Escalate qualifying cases to the Skip Tracing Team Leader for resolution (special cases, calls unable to be handled in certain amount of time, etc.).

• Focus to meet set productivity and efficiency targets, and continuously try to improve his/her performance related to established KPIs.

• Ensure awareness and compliance with approved manuals, policies, procedures and guidelines with reference to the Collections Manual

Skip Tracing Associate

As a Litigation Lawyer, you will be responsible in representing the Bank, its officers, and employees in cases filed for and in behalf of and/or against the Bank, with the end in view of achieving target collections, prevent losses and mitigate risks and help sustain bank’s profitability by lending support to business units.

<ul>
	<li>Prepares initially various pleadings such as but not limited to complaints, answers, motions, memoranda, briefs, petitions, affidavits, opinions and position paper for submission to Litigation Head/Division Head and eventual filing in court/government agencies to ensure that the interest of the Bank/management is upheld while complying with legal requirements</li>
	<li>Renders and/or gives opinions on the Bank’s problem/legal queries which may be assigned to him/her to provide solution/s based on a legal perspective</li>
	<li>Makes direct representations and conferences with court and administrative personnel and other government officials by personal appearance/visit to their respective offices to be able to follow-up status of cases</li>
	<li>Monitors endorsed cases/accounts to collection agencies/external counsels based on retainer agreement/bank policy for coordination and centralization of the information/progress</li>
	<li>Supervises the Registration and Enforcement Unit (REU) personnel in assisting the Sheriffs and Police authorities in the actual implementation/enforcement of warrants of arrest, writs of attachments, executions, possession, injunctions, TRO, etc. with respect to assigned cases based on court Order/bank policy to effect the favorable decision of the Court</li>
	<li>Supervises the filing of pleadings and follow-up status of assigned cases by monitoring and reminding the REU clerks and respective legal assistant to ensure timely and appropriate action</li>
	<li>Attends hearings and all stages thereof, preliminary investigations at the fiscal’s office, conferences and hearings at the Department of Labor, Securities and Exchange Commission and other administrative and quasi-judicial bodies with respect to assigned cases to represent the bank and protect its interest</li>
	<li>Holds conferences/negotiations with internal clients through appointment or walk-in (subject to the availability) to come up with the best strategy to protect the bank’s interest, as well as meet with the opposing parties/bank clients/borrowers and their lawyers inclined to restructure/amicably settle their accounts/cases</li>
	<li>Performs other related tasks which may be assigned from time to time</li>
</ul>

Kalibrr Job Search

Sales Officer

Loans Product Management Officer

Relationship Manager

Skip Tracing Associate

Litigation Lawyer