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Title
Text copied to clipboard!Commercial Banking Officer
Description
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We are looking for a skilled Commercial Banking Officer to support business and corporate clients with banking products, credit solutions, and financial advisory services. This role is responsible for managing and growing a portfolio of commercial customers, acquiring new business relationships, and contributing to the bank’s revenue and risk management objectives. The Commercial Banking Officer acts as a trusted partner to clients by understanding their financial needs and recommending suitable products and services that support their operations and long-term growth.
The ideal candidate will be able to assess the financial condition of companies across different industries, interpret balance sheets, income statements, and cash flow trends, and identify opportunities to provide lending, cash management, trade finance, and deposit solutions. The role requires close collaboration with internal credit, risk, compliance, and operations teams to ensure that all client activities are handled efficiently and in accordance with internal policies and regulatory requirements. Strong communication skills, commercial awareness, and analytical thinking are essential for success in this position.
A Commercial Banking Officer is expected to build and maintain long-term client relationships based on trust, responsiveness, and sound financial guidance. This includes conducting client meetings, preparing credit proposals, monitoring portfolio performance, identifying cross-selling opportunities, and responding proactively to changes in customer needs or market conditions. The position also involves ongoing risk monitoring, recognizing early warning signs in client accounts, and escalating concerns when necessary to protect the bank’s interests while maintaining a high standard of customer service.
Successful candidates will combine relationship management capabilities with a strong understanding of commercial lending and banking operations. They should be comfortable working in a target-driven environment, balancing sales performance with prudent risk judgment and compliance standards. This is an excellent opportunity for professionals who want to deepen their career in banking, work closely with business clients, and play a strategic role in delivering financial solutions that create value for both customers and the institution. If you are motivated by client engagement, financial analysis, and business development, this role offers a dynamic and rewarding career path.
Responsibilities
Text copied to clipboard!- Manage and grow a portfolio of commercial banking clients
- Develop new business opportunities and acquire new corporate customers
- Analyze client financial needs and recommend suitable banking products
- Prepare credit proposals and support loan approval processes
- Conduct client visits and maintain strong business relationships
- Coordinate with risk, compliance, and operations teams
- Monitor portfolio profitability and overall performance
- Identify cross-selling opportunities across banking services
Requirements
Text copied to clipboard!- Bachelor’s degree in finance, economics, business, or a related field
- Experience in commercial or corporate banking
- Knowledge of financial statement analysis and credit assessment
- Strong communication and client relationship management skills
- Ability to work in a sales and target-driven environment
- Proficiency in MS Office and banking systems
- Analytical thinking and problem-solving ability
- Good English communication skills may be preferred depending on the institution
Potential interview questions
Text copied to clipboard!- Can you briefly describe your experience in commercial banking?
- What size client portfolio have you managed previously?
- How experienced are you in financial statement analysis?
- What responsibilities have you handled in the credit approval process?
- What methods do you use to acquire new clients?
- Have you worked under demanding sales targets before?
- Which banking products are you most confident working with?
- How have you handled a difficult client relationship situation?
