Functional Group Position Charter John C.

Macindo

: :

Housing Finance Department Account Relationship Officer (REM) AO Michael

Accountability Objectives: Manages and directly administers the Banks business relationship with assigned accounts (per RAAC); markets the full range of banking and financial services to individuals, client corporations and institutions in response to their financing needs. Measurement Standards are set according to the attainment of goals/targets set for the position every planning period with the key performance areas as follows: Loan Volume Attainment Portfolio Yield or Portfolio Profitability Attainment Non-performing Asset Collection and Management Account Administration Deposit Generation and Cross-selling Nature and Scope of Position: Charged with the general management of the Banks business with respect to its clientele, responsibilities normally include account solicitation, marketing and promotion of bank services, financial packaging and pricing, customer profitability reviews and the proper maintenance, development and termination of these relationships. Shall assume financial advisory function and must be equipped with a thorough knowledge of clients business, an acceptable degree of industry specialization, thorough financial analysis capabilities and credit management skills and regional economic development perspective. Marketing functions: 1. Prepares monthly call plan or prospect list for active cultivation of new account solicitations and enhancement of existing business relationships under the direction of Senior Supervising Officer and in coordination with other business segments or groups of the bank; 2. Identifies other products and services for cross-selling not only for the bank, but its affiliates as well; 3. Monitors, develops and reports on product differentiation, market segmentation and positioning activities that may result in the expansion of business with clients, more profitable pricing of services and improved competitive position; 4. Monitors and promptly reports on identified marketing thrusts and product development efforts of competing banks and other institutions that may be potential sources for clients corporations;

5. Prepares periodic visits on status of clients business, prepares business enhancement program and implements said program monthly; Duties and Responsibilities: 1. Originates, underwrites and prepares Credit Offerings (Credit Proposal) that covers the following areas: character background on management and principal, assessment of operating performance, financial analysis and general evaluation of credit risks consistent with banking regulations and Bank defined product and Bank policies. 2. Formulates recommendations on pricing, yield, security for risk, terms and conditions of credit facilities and banking/financial services to be extended to the client; 3. Supervises the gathering and synthesis of operating, financial, management amd market/industry information relevant to effective assessment of clients business condition; 4. Reviews, evaluates and disseminates information periodically submitted by the client to the bank; 5. Directs, supervises and coordinates the valuation/appraisal of clients assets; 6. Directs the gathering and preparation of information regarding the clients compensating business commitments; 7. Advises corporate clients of approvals of credit facilities and other banking and financial services, and of changes in pricing and terms and conditions of loan agreements; 8. Prepares implementing memos and operating instructions for use and guidance of operating units of the bank on the credit facilities and other services approved for clients, 9. Recommends action to be taken by superiors and authorizes certain banking transactions that maybe referred by operating units; 10. Reviews all loan documents covering approved facilities prior for signature of clients and ascertains perfection of all loan documentation prior release; 11. Conducts office, plant or farm visits as a means of strengthening relationships with clients and as a tool for business intelligence; 12. Initiates activities that will ensure attainment of key performance objectives and business plans; 13. Undertakes account collection efforts, recommends remedies, restructuring and referral to Legal as maybe necessary to protect the interest of the bank; 14. Advises clients on changes in banking laws, regulations, statutes that may affect operations, bank policies and procedures and current economic developments and prospects;

15. Advises Senior Management on receipt of information of any adverse event that may put the banks credit exposure at risk; 16. Oversees the effective performance and evaluation of personnel assigned to support him/her in carrying out the above functions plus institutes behavior corrective action as needed; 17. Identifies resources that he may need to carry out his function effectively; 18. Prepare monthly presentations; performance or accomplishment reports or

19. Participates in corporate activities as may be conducted form time to time in the effort of building teamwork and a harmonious working relationship among credit support teams; 20. Participates in external activities that will expand his/her business network and strengthen the disposition of his function as an Account Officer; 21. Any other job that may be assigned from time to time.

Understood and Accepted by: ________________________ Michael John C. Macindo Noted by: _______________________ FVP Susana M. So HFD Department Head