Chief Commercial Banking Officer

Industry: Banking, Financial Services

Job Type: Full-Time

Reporting To: Chief Executive Officer (CEO) / Chief Banking Officer (CBO)

Job Summary

The Chief Commercial Banking Officer (CCBO) is responsible for leading the commercial banking division, driving growth in SME and mid-market segments through lending, deposits, and relationship management.

This role focuses on expanding the commercial portfolio, strengthening client relationships, and ensuring high-quality credit while maintaining compliance with regulatory and risk frameworks.

Key Responsibilities

1. Commercial Banking Strategy & Growth

• Develop and execute commercial banking strategy aligned with overall business goals
• Drive growth in SME, mid-market, and commercial client segments
• Identify new market opportunities and industry focus areas
• Achieve revenue, profitability, and portfolio growth targets

1. Client Relationship Management

• Build and maintain strong relationships with key commercial clients
• Oversee relationship managers and business bankers
• Drive client acquisition, retention, and cross-selling strategies
• Deliver tailored financial solutions to meet client needs

1. Lending & Credit Oversight

• Oversee commercial lending activities, including working capital, term loans, and trade finance
• Ensure sound credit underwriting standards and policies
• Approve large credit proposals within delegated authority
• Maintain portfolio quality and minimize credit losses

1. Portfolio & Risk Management

• Monitor commercial loan portfolio performance and asset quality
• Manage non-performing loans (NPL/NPA) and recovery strategies
• Align growth strategies with risk appetite
• Collaborate with risk and credit teams for effective risk management

1. Product Development & Innovation

• Develop and enhance commercial banking products and services
• Introduce industry-specific solutions (e.g., agriculture, manufacturing, trade)
• Promote digital banking solutions for business clients
• Improve product competitiveness and market positioning

1. Sales & Revenue Generation

• Lead sales strategies for commercial banking
• Set and monitor sales targets and KPIs
• Drive revenue through lending, deposits, and fee-based services
• Enhance productivity of relationship teams

1. Regulatory Compliance & Governance

• Ensure compliance with central bank regulations and internal policies
• Support audits, regulatory inspections, and reporting
• Maintain strong governance and ethical banking practices
• Align operations with compliance and risk frameworks

1. Digital Banking & Process Efficiency

• Drive digital transformation in commercial banking services
• Implement digital onboarding and loan processing solutions
• Improve operational efficiency through automation
• Collaborate with fintech partners

1. Leadership & Team Management

• Lead commercial banking teams, including relationship managers and credit teams
• Build a high-performance culture
• Develop talent and succession planning
• Foster collaboration and accountability

Key Requirements

Education

• Bachelor's or Master's degree in Finance, Business Administration, Economics, or related field
• MBA or professional banking qualifications preferred

Experience

• 15+ years of experience in commercial or corporate banking
• Proven leadership in senior roles (e.g., Head of Commercial Banking, SME Banking Head, Corporate Banking Leader)
• Strong experience in lending, client relationship management, and portfolio management

Skills & Competencies

• Strong knowledge of commercial banking products and services
• Expertise in credit, lending, and risk management
• Strategic thinking and business development capability
• Strong client relationship and negotiation skills
• Leadership and team management
• Digital banking and innovation mindset
• Excellent communication and stakeholder management

Key Performance Indicators (KPIs)

• Growth in commercial loan portfolio and deposits
• Revenue and profitability from commercial banking
• Portfolio quality (NPL/NPA levels)
• Client acquisition and retention rates
• Cross-selling and product penetration
• Regulatory compliance and audit outcomes

Preferred Attributes

• Experience in large or multinational banking institutions
• Strong exposure to SME and mid-market segments
• Ability to manage large-scale portfolios
• Strong industry and market knowledge

Compensation & Benefits

• Competitive executive salary
• Performance-based incentives
• Executive benefits and allowances