Unit Head – Commercial Banking

Recruit AI is seeking a highly skilled and experienced Unit Head Commercial Banking to lead and grow the Bank's commercial banking portfolio. The ideal candidate brings a deep understanding of commercial lending, credit analysis, portfolio and relationship management, and a strong knowledge of regulatory requirements. This role requires delivering business targets and cross-selling objectives while focusing on portfolio quality and compliance. Although this position does not include managing a team, it requires close collaboration with senior management and other stakeholders to drive business growth and operational efficiency within the commercial banking division. The Unit Head plays a key role in shaping and executing the commercial banking strategy and annual business plans. They oversee credit proposal preparation, risk assessment, and ensure adherence to regulatory standards and internal controls. This position demands a strategic mindset to handle financial statement analysis, portfolio risk management, and facilitate business reviews. The successful candidate has a proven track record in commercial banking, strong negotiation and communication skills, and excels in achieving financial growth objectives within a target-driven environment.
Responsibilities

Develop and implement the Banks commercial banking strategy in alignment with overall business goals.
Collaborate with senior management to advance commercial and SME banking initiatives effectively.
Achieve assigned budgets, business targets, key performance indicators, and cross-selling goals.
Conduct regular business performance reviews and monitor progress against targets to ensure success.
Build and maintain strong relationships with current and prospective commercial clients to drive growth.
Prepare, analyze, and approve credit proposals, renewals, and related financial documentation in compliance with Bank policies and regulatory standards.
Assess credit risks thoroughly and ensure the timely approval and disbursement of commercial financing facilities.
Monitor portfolio quality to keep Non-Performing Loans within acceptable limits and take proactive risk mitigation measures.
Ensure accurate and timely completion of pre-disbursement and post-disbursement documentation while maintaining compliance with internal controls and regulations.
Identify opportunities for operational improvements to enhance efficiency and ensure audit readiness.
Monitor portfolio performance, manage credit exceptions, limit renewals, and foster cross-selling opportunities.
Support workforce planning and identify skill development or training needs to ensure future competencies of the commercial banking function.
Guarantee all commercial banking activities comply with internal policies, operational manuals, and regulatory requirements of the State Bank of Pakistan.