Chief Corporate Banking Officer at TheHiveCareers in Bahamas

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)

Direct Reports: Heads of SME Banking, Relationship Management, Commercial Credit, Trade Finance

Job Summary

The Chief Commercial Banking Officer (CCBO) is responsible for leading the bank's commercial banking business, focusing on SME and mid-market client segments. This role drives revenue growth, portfolio expansion, and client relationship excellence while ensuring disciplined credit risk management and regulatory compliance.

The CCBO plays a pivotal role in balancing business growth with asset quality, delivering sustainable profitability, and strengthening the bank's market position in the commercial segment.

Key Responsibilities

1. Commercial Banking Strategy & P&L Ownership

Define and execute commercial banking strategy aligned with enterprise objectives

Own full P&L for SME and mid-market segments

Drive revenue growth across lending, deposits, and fee-based income

Identify target sectors and growth opportunities

2. Client Acquisition & Relationship Management

Lead acquisition of SME and mid-market clients

Strengthen relationships with key commercial clients

Oversee relationship management teams and business bankers

Enhance client retention and lifetime value

3. Lending & Credit Oversight

Oversee commercial lending (working capital, term loans, trade finance)

Ensure strong underwriting standards and disciplined credit practices

Approve large/complex deals within delegated authority

Balance growth with prudent risk management

4. Portfolio & Risk Management

Monitor portfolio performance, asset quality, and concentration risks

Manage non-performing loans (NPL/NPA) and recovery strategies

Align portfolio growth with defined risk appetite

Identify early warning signals and mitigate risk exposure

5. Product & Segment Development

Develop tailored financial solutions for SME and commercial clients

Expand trade finance, cash management, and sector-specific offerings

Improve competitiveness and product penetration

Collaborate with product and treasury teams

6. Sales & Distribution Leadership

Drive sales strategy and execution across commercial segments

Set targets and KPIs for relationship teams

Improve productivity and conversion rates

Expand distribution channels and partnerships

7. Digital Transformation & Process Efficiency

Lead digital initiatives in commercial banking (e.g., digital onboarding, loan processing)

Improve turnaround time and operational efficiency

Implement automation and workflow optimization

Collaborate with fintech and technology partners

8. Regulatory Compliance & Governance

Ensure adherence to central bank regulations and internal policies

Maintain strong governance, audit readiness, and compliance standards

Support regulatory inspections and reporting requirements

Promote ethical banking practices

9. Leadership & Talent Management

Lead and develop high-performing commercial banking teams

Build leadership pipeline and succession plans

Foster a performance-driven and client-centric culture

Provide coaching, mentoring, and strategic direction

Key Requirements

Education

Bachelor's or Master's degree in Finance, Business Administration, Economics, or related field

MBA or professional banking qualifications preferred

Experience

15–20+ 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 track record in portfolio growth, credit management, and client acquisition

Skills & Competencies

Deep understanding of SME and commercial banking markets

Strong credit and risk management expertise

Strategic thinking with P&L ownership experience

Excellent client relationship and negotiation skills

Leadership and team development

Digital banking and innovation mindset

Strong regulatory and compliance knowledge

Key Performance Indicators (KPIs)

Commercial portfolio growth (loans & deposits)

Revenue and profitability (P&L performance)

Portfolio quality (NPL/NPA ratios)

Client acquisition and retention

Cross-sell ratio and product penetration

Turnaround time for credit approvals

Compliance and audit outcomes

Preferred Attributes

Experience in large or multinational banking institutions

Strong sector expertise (e.g., manufacturing, trade, agriculture, SMEs)

Ability to manage large portfolios and complex client relationships

Proven success in driving digital transformation

Compensation & Benefits

Competitive executive salary

Performance-based incentives (linked to P&L and portfolio quality)

Executive benefits and allowances