17 Commercial Banking jobs in Bahrain

• Develop and execute strategies to acquire new commercial clients and deepen relationships with existing ones.
• Manage a portfolio of commercial clients, understanding their business needs and providing appropriate financial solutions, including loans, lines of credit, treasury management, and other banking services.
• Conduct thorough credit analysis and underwriting for commercial loan applications, ensuring compliance with bank policies and regulatory requirements.
• Prepare loan proposals, present credit requests to loan committees, and monitor loan performance.
• Act as the primary point of contact for clients, providing proactive service and resolving issues promptly.
• Identify cross-selling opportunities for other bank products and services to meet client needs.
• Stay informed about industry trends, competitive landscape, and economic conditions affecting the commercial market.
• Collaborate with internal partners, including credit analysts, loan operations, and product specialists, to deliver seamless client experiences.
• Meet or exceed established goals for loan growth, deposit growth, and fee income.
• Ensure compliance with all applicable banking regulations, laws, and internal policies.

• Bachelor's degree in Finance, Business Administration, Economics, or a related field. MBA or equivalent advanced degree is a plus.
• Minimum of 5-7 years of experience in commercial banking, corporate banking, or business development roles, with a proven track record in lending and relationship management.
• Strong understanding of commercial lending principles, credit analysis, risk assessment, and financial statement analysis.
• Demonstrated ability to build and maintain strong client relationships.
• Excellent sales, negotiation, and communication skills.
• Knowledge of treasury management, cash management, and international trade finance is highly desirable.
• Proficiency in CRM software and core banking systems.
• Familiarity with the local market and business community is essential.
• Ability to work effectively in a team-oriented environment and manage a demanding workload.
• Commitment to upholding the highest ethical standards and regulatory compliance.

• Proactively identify and pursue new business opportunities within the commercial sector to expand the bank's client base.
• Build and maintain strong, trusted relationships with existing and prospective commercial clients, understanding their business operations and financial requirements.
• Analyze financial statements, creditworthiness, and market conditions to assess risk and structure appropriate lending solutions.
• Originate and manage a diverse portfolio of commercial loans, credit facilities, and other banking products.
• Provide expert advice and solutions related to cash management, trade finance, treasury services, and investment products.
• Conduct regular client reviews to ensure ongoing satisfaction and identify opportunities for cross-selling additional bank services.
• Collaborate with internal departments, including credit analysis, operations, and product specialists, to deliver seamless client experiences.
• Ensure compliance with all bank policies, procedures, and regulatory requirements.
• Meet or exceed established performance targets for loan growth, deposit acquisition, and overall client profitability.
• Represent the bank in industry events and community activities to enhance brand visibility and network effectively.
• Stay informed about economic conditions, market trends, and competitive landscape impacting commercial clients.

• Bachelor's degree in Business Administration, Finance, Economics, or a related field. A Master's degree or relevant professional certification is advantageous.
• Minimum of 6 years of experience in commercial banking, corporate banking, or business development within the financial services industry.
• Proven ability to originate and manage commercial loan portfolios and achieve sales targets.
• Strong understanding of commercial lending principles, credit analysis, financial statement analysis, and risk management.
• Excellent interpersonal, communication, and negotiation skills.
• Demonstrated success in building and nurturing client relationships.
• Proficiency in banking software and CRM systems.
• Knowledge of Bahrain's business environment and regulatory framework is highly desirable.
• Ability to work independently and as part of a team, with strong organizational and time management skills.
• A professional demeanor and commitment to ethical conduct.

The role holder is responsible for conceptualization, launch and management of the Banks SME products. As such they will be responsible for driving profitability by developing an optimized mix and pricing for finance & liability products & partnerships ensuring its management and roll out across sales channels. The role holder is also responsible for the continuous development of the products based on market trends and customer needs.

Key Responsibilities :

• Works collaboratively with internal stakeholder on product ideation and preforms studies to ensure product ideas are aligned to the bank strategy and meet commercial, technical and operational feasibility criteria.
• Owns the product vision, collects business requirements and translates them into a value-oriented product roadmap as part of objectives, customer needs and market trends.
• Develops and executes the detailed business plan for SME products, including target segments, detailed product design and structuring, product pricing, delivery channels, sales strategy and operational and customer service processes.
• Develops all documentation around the new product including Product Program, Go to Market Strategy, Process Notes and recommends relevant changes to policies and procedures.
  Provides relevant support to front line teams (both sales and customer support) including training, sales briefs, FAQs and trouble shooting guides.
• Leads the new product approval process by getting approvals from relevant stakeholders.
  Partners with Legal & Compliance teams to ensure that products efficiently meet all regulatory requirements and all relevant regulatory communications are made.

Product Management
Owns and monitors products balance sheet and P&L to constantly seek to rationalise, enhance and grow the product offerings to achieve balance sheet and P&L objectives.

• Enhances current products and services based on new industry trends or opportunities as well as identifying gaps in current products based on the feedback provided by front office teams and to continuously improve customer
  satisfaction.
• Prepares business requirements for product enhancement and works collaboratively with IT for implementation.
  Acts as a product promoter internally and externally, working closely with Marketing & Communication team, to prepare the product marketing plan including sales & marketing material

QUALIFICATIONS, EXPERIENCE AND SKILLS

• Bachelor’s degree (Masters preferred) - MBA, PMP, CIM, certifications on product management, service design etc. are a plus.
• Minimum of 5 years experience in SME Product Management
• Strong understanding of product lifecycle, from conceptualization to deployment and management in an SME / commercial banking context.
  Experience in rolling out large and complex programs
  Understanding of basic concepts of technology and technology architecture

• Analyze financial statements and credit information of commercial borrowers.
• Prepare comprehensive credit assessment reports and recommendations.
• Evaluate loan applications, including assessing risk, collateral, and repayment capacity.
• Monitor the credit performance of existing loan portfolios and identify potential issues.
• Conduct industry and economic research to support credit decisions.
• Communicate effectively with relationship managers, clients, and credit committees.
• Ensure compliance with internal credit policies and regulatory guidelines.

• Bachelor's degree in Finance, Accounting, Economics, or a related discipline.
• Minimum of 3 years of experience in commercial credit analysis, underwriting, or a similar banking role.
• Strong understanding of financial statement analysis, ratio analysis, and cash flow forecasting.
• Knowledge of various commercial loan products and credit structures.
• Excellent analytical, critical thinking, and problem-solving abilities.
• Proficiency in Microsoft Office Suite, particularly Excel.
• Strong written and verbal communication skills.
• Attention to detail and ability to manage multiple tasks efficiently.

• Assist in gathering and documenting business requirements from stakeholders for new projects and system enhancements.
• Analyze existing business processes and identify areas for improvement and efficiency gains within the banking sector.
• Support the development of functional specifications and user stories for IT solutions.
• Conduct data analysis to identify trends, patterns, and insights that inform business decisions.
• Collaborate with IT teams to ensure the successful implementation of new systems and software.
• Create process flow diagrams and documentation to illustrate current and proposed business workflows.
• Assist in the testing and validation of new systems and applications to ensure they meet business needs.
• Prepare reports and presentations on business analysis findings and project updates.
• Facilitate meetings and workshops with business users and technical teams.
• Maintain up-to-date knowledge of financial industry trends, regulations, and best practices.
• Support the resolution of business-related issues and provide ongoing assistance to end-users.
• Ensure compliance with all relevant banking regulations and company policies.
• Contribute to the development of business cases for new initiatives.
• Monitor and track project progress against defined milestones.
• Assist in the change management process, supporting user adoption of new systems.

• Bachelor's degree in Finance, Economics, Business Administration, Information Systems, or a related field.
• Internship or prior work experience in a banking or financial services environment is highly desirable.
• Strong analytical, problem-solving, and critical thinking skills.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Office Suite, particularly Excel and PowerPoint.
• Basic understanding of business analysis methodologies and tools (e.g., Visio, Jira).
• Familiarity with financial systems and banking processes is a plus.
• Ability to work independently and as part of a collaborative team.
• Strong organizational skills and attention to detail.
• Eagerness to learn and develop skills in the financial sector.

• Serve as the primary point of contact for a portfolio of assigned clients.
• Build and maintain strong, long-lasting relationships with clients based on trust and mutual understanding.
• Understand client objectives and proactively identify ways to help them achieve success with our client's products/services.
• Regularly communicate with clients to provide updates, gather feedback, and address any concerns.
• Monitor client account health and identify potential risks or churn indicators.
• Collaborate with internal teams (sales, support, product) to ensure seamless client experience.
• Identify opportunities for account growth and present relevant solutions to clients.
• Resolve client issues efficiently and effectively, escalating when necessary.
• Conduct client review meetings and provide performance reports.
• Contribute to client retention and overall client satisfaction.

• Bachelor's degree in Business, Marketing, Communications, or a related field.
• Minimum of 3 years of experience in account management, client relations, or a customer-facing role.
• Exceptional interpersonal and communication skills, both written and verbal.
• Proven ability to build and maintain strong client relationships.
• Strong problem-solving and negotiation skills.
• Familiarity with CRM software.
• Ability to manage multiple client accounts simultaneously.
• A proactive and results-oriented mindset.
• Excellent organizational and time management skills.
• A team player with a positive attitude.

Bahraini Nationals

The role holder is responsible for delivering the assigned sales target and support the branch over all in achieving the assigned growth target through sales to new and existing customers by ensuring current customers have the right products and services. The role holder is also responsible to identifying new markets and customer leads and pitching prospective customers. The role holder performs duties including but not limited to monitoring competition, maintaining good customer relations, and pursuing new sales opportunities.
Moreover, the job holder is responsible to ensure all controls and compliance are in place.

Responsibilities

• Source and develop new clients by applying disciplined sales process and demonstrating comprehensive knowledge of product range. Enhance exiting Branch Banking relationships and provide professional quality customer service.
• Meet with clients, analyze their needs, provide advice and sell relevant products or services as appropriate.
• Deliver the assigned target through new and existing to bank customer.
• Communicates and meets with clients / prospects on a pro-active basis and responds to their inquiries and requests in a timely and accurate manner to ensure high level of customer service.
• Assists in maintaining effective relationships with new and existing clients to repeat business opportunities, referrals and lead generation for target completion of the Branch.
• Drafts sales reports to be submitted to the Branch Manager and receives feedback from Lead - Sales Growth to be incorporated prior submitting to Branch Manager.
• Communicates with the existing customers to notify them on the current promotions and offers, which will enhance the sales of the assigned branch.
• Approaches existing and new customers in and out of branch to achieve individual and branch sales target.
• Conducts cold calling, telephonic and field visits to existing and new customers for business conversion.
• Identifies and understands the needs of the customers and provides necessary advice on financial solutions based on their needs.
• Provides assistance and support to new and existing staffs in cross selling techniques-based products, within and outside the branch.
• Documents and maintains all records of sales activities and provides updates as per requirement.
• Ensures completeness and compliance of all documentation for new and existing customers to protect company and client interests.
• Stays on top of the business operating environment with respect to market trends, interest rates, asset and liabilities positions, trade volume, credit facilities etc. on an ongoing basis and submits the findings to the Lead - Sales Growth.
• Follows up with customers to obtain all expired or missing documents or unmet conditions.

QUALIFICATIONS, EXPERIENCE AND SKILLS

• Bachelor's degree in Business Administration, Management, Banking or any related discipline is mandatory
• 3- 5 Years of experience-Minimum 3 years of experience in a Bank in Sales
• Strong knowledge of SME market in Bahrain.
  Strong knowledge of Central Bank of Bahrain rules and regulations.
  Strong knowledge of all Banking products and services.
• Fluency in English and Arabic