Business Relationship Officer at RCBC

The Business Relationship Officer at RCBC is a frontline branch sales role focused on growing the bank's retail banking portfolio. Working directly under the Branch Manager, you are responsible for achieving sales goals for products such as loans, deposit accounts, and credit cards. Your day-to-day involves preparing daily and monthly sales call plans, prospecting new clients, and cross-selling to existing customers. You will also assist in developing and executing local marketing activities to promote retail banking products.

RCBC looks for candidates with a Bachelor's degree, strong strategic planning skills, and a solid understanding of credit evaluation. This knowledge is essential because you will be discussing loan products and assessing potential borrowers' creditworthiness in preliminary conversations. The role demands a self-starter who thrives in a target-driven environment and can work collaboratively with the branch team.

Unlike RCBC's Sales Management Trainee program, which is a rotational leadership-development track, the Business Relationship Officer position is a standing, non-trainee role. You are hired directly into a specific branch and expected to hit the ground running, contributing to the branch's sales performance from day one. Success in this role requires excellent communication skills, a results-oriented mindset, and the ability to build lasting client relationships in the local community.

Candidates who have prior sales experience in banking or financial services, a network of local contacts, and familiarity with retail banking products will have an advantage. RCBC values individuals who are proactive in seeking out business opportunities and can align their efforts with the Branch Manager's overall sales strategy.

RCBC has not publicly documented a detailed interview process for the Business Relationship Officer role, so candidates should be prepared for a process typical of Philippine bank branch sales hiring. It generally begins with an initial application, either online or in-branch, which is followed by a screening interview with an HR representative. This screening covers your background, sales experience, and understanding of the role. Successful candidates then proceed to an interview with the Branch Manager, who assesses your sales acumen, local market knowledge, and ability to work under their supervision.

Because the role requires hands-on selling and credit evaluation, a sales scenario role-play or case study is likely part of the process. You may be asked to simulate a client pitch for a retail banking product or analyze a simple credit scenario to demonstrate your evaluation skills. Finally, a panel or one-on-one interview with a regional sales head or area manager may take place before an offer is extended. The entire process can take a few weeks, depending on the branch's urgency to fill the position.

Research RCBC's retail banking products thoroughly before your interviews. Know the features and benefits of their savings accounts, loans, and credit cards, and be ready to compare them with competitors' offerings. Practice a concise sales pitch that highlights these advantages, and prepare examples of how you have met or exceeded sales targets in the past. Since the role involves credit evaluation, review basic credit analysis concepts and be prepared to explain how you would assess a borrower's repayment capacity.

During the Branch Manager interview, emphasize your ability to work independently and as part of a team. Demonstrate your strategic planning skills by discussing how you would develop a daily sales call plan and generate leads in your local area. Show that you understand the branch's role in the community and can build relationships with walk-in customers as well as external prospects. If a sales scenario assessment is part of the process, listen carefully to the instructions and ask clarifying questions to show your analytical thinking.

Finally, convey your enthusiasm for a target-driven role and your long-term interest in a banking career. RCBC values employees who are committed to professional growth and can contribute to the bank's retail banking expansion. Dress professionally, arrive early, and bring extra copies of your resume and a list of your sales achievements. Since the hiring process for this standing role may move quickly, respond promptly to any follow-up emails or calls from the HR team.