Commercial Banking Officer

About the Role

The Commercial Banking Officer plays a critical role in managing and expanding the bank's commercial lending portfolio by providing tailored financial solutions to business clients. This position is responsible for evaluating creditworthiness, structuring loan products, and ensuring compliance with regulatory standards to mitigate risk. The officer will work closely with small to medium-sized businesses, understanding their financial needs and delivering customized lending options that support their growth and operational goals.

Success in this role requires a deep understanding of commercial banking products, strong analytical skills, and the ability to build and maintain long‑term client relationships. Ultimately, the Commercial Banking Officer contributes to the bank’s profitability and reputation by driving loan growth while maintaining asset quality and customer satisfaction.

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
• Minimum of 3 years of experience in commercial lending or commercial banking.
• Strong knowledge of credit analysis, loan structuring, and portfolio management.
• Proficiency in financial statement analysis and risk assessment.
• Excellent communication and interpersonal skills to effectively interact with clients and internal stakeholders.

• Experience with asset‑based lending and small business lending.
• Professional certifications such as Certified Commercial Lender (CCL) or Chartered Financial Analyst (CFA).
• Familiarity with regulatory requirements and compliance standards in the banking industry.
• Demonstrated success in managing a loan portfolio with minimal delinquencies.
• Experience working within retail banking environments to cross‑sell commercial products.

• Evaluate and underwrite commercial loan applications by analyzing financial statements, credit reports, and business plans to determine creditworthiness and risk.
• Develop and maintain strong relationships with existing and prospective commercial clients to understand their financial needs and offer appropriate lending solutions.
• Manage and monitor a diverse loan portfolio, ensuring timely renewals, compliance with loan covenants, and proactive risk management.
• Collaborate with internal teams such as credit analysts, risk management, and retail banking to deliver seamless service and comprehensive financial products.
• Stay current with market trends, regulatory changes, and competitive products to provide informed advice and maintain the bank’s competitive edge.

The required skills such as commercial lending, credit analysis, and loan portfolio management are essential for assessing client needs, structuring appropriate loan products, and managing risk effectively on a daily basis. Commercial banking expertise enables the officer to navigate complex financial scenarios and provide strategic advice to business clients. Asset‑based lending and small business lending skills allow the officer to tailor solutions for diverse client profiles, enhancing customer satisfaction and loan performance.

Strong communication and relationship‑building skills are used continuously to foster trust and long‑term partnerships with clients and internal teams. Additionally, knowledge of retail banking complements the role by facilitating cross‑functional collaboration and expanding the bank’s service offerings.