Chief Commercial Banking Officer

Job Description: Chief Commercial Banking Officer (CCBO)

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

2. 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

3. 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

4. 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

5. 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

6. 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

7. 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

8. 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

9. 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

Bachelors or Masters degree in Finance, Business Administration, Economics, or related field

Experience

MBA or professional banking qualifications preferred

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