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Commercial Banking

A largely client facing position, providing financial advice or guidance to customers/clients for compensation. 

What Commercial Bankers Do

Commercial Banking professionals are concerned with offering credit products such as loans and other fixed-income services to corporate clients.

Commercial Banking is what you probably think of what you hear the word ‘bank’. These are commercial entities that offer loans and mortgages, accept deposits, safeguard assets, and deal with clients of all types.

Commercial Bankers work to offer credit services and products to clients of the bank. They can work in a physical bank branch, in the offices of the bank, or dealing with clients directly.

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Account Managers are concerned with creating, maintaining and reviewing client databases and accounts. They might be required to organise audits, review billing, and look over or change sales policies for their clients.

A lot of their time is spent either face-to-face or corresponding with the client.

Credit Analysts are concerned with reducing the risk that a commercial bank takes on when offering loans, mortgages and other financial products and services.

They spend much of their time looking at balance sheets and income statements and are responsible for reporting the degree of credit risk that the prospective client offers. Credit Analysts must answer the question: What are the chances the client can pay back the credit product they are receiving?

Loan Officers in a Commercial Banking context are concerned with evaluating and approving (or denying) loan services and products.

Loan Officers utilise financial literacy and logic to evaluate loan applications, review credit information, approve or deny loans, supervise loan administrators and making sure loans are being paid on time.

Commercial Banking Tellers are concerned with offering face-to-face client services such as account-related activities, accepting payments and deposits and selling bank services.

Tellers typically help customers with deposits and withdrawals, concerns and complaints, and offering loan or business services. They must also maintain cash supply and continuously update records about their transactions.

Trust Officers are concerned with trust-related products, services and client interaction.

A trust is a type of fund that holds money in it which is distributed to all recipients of the trust (the trustees) at a designated time-point (e.g. once a year). It is a Trust Officer’s role to ensure the creation and appropriate execution of a trust.

Their role typically involves interpretation of legal documents, speaking to clients and the trustees, monitoring trust funds, and ensuring compliance with regulations (both governmental and of the bank).


The following valuable skills are related to Commercial Banking

Financial Mathematics 100%
Report Writing & Communication 75%
Data Analysis & Interpretation 65%
Credit and Loan Management 100%
Financial Analysis 80%
Knowledge of credit services & products 90%
Risk Analysis 85%
Customer Service & Client Relations 100%

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