Banking is not just about finance - it is a dynamic industry offering career paths for individuals of diverse backgrounds and experiences. Whether your interests lie in finance, technology, compliance, risk management, marketing, legal, ESG, HR or customer support, there are opportunities for you.

At APS Bank, we are committed to offering a banking experience that is personal and simple for our customers, while providing our employees with the support and resources they need to succeed.

Our mission is inspired by a commitment to social, economic, and environmental progress, providing all our stakeholders with an opportunity to grow. This is what APS is all about. This is what we’ve always been about.

🔝 We aspire to elevate every effort towards achieving excellence.

🤗 We value authenticity, forming genuine connections and creating meaningful impact.

💚 We are passionate in everything we do. We own it, love it, lead it!

🙌 We unite in diversity to foster inclusion.

✅ We are committed to being contemporary. We strive and thrive.

Job summary

The Senior Commercial Officer will be responsible to assist the Corporate/Commercial Relationship Manager in the management of the portfolio of Credit facilities to Groups of Companies, Corporate and Commercial customers including International customers, as well as to assist in the organization, coordination and controlling of activities relating to Credit facilities and contribute towards the achievement of the objectives of the Commercial Banking.

Main Responsibilities

Participate in meetings with customers and evaluate financing proposals submitted by existing and prospective borrowers in particular commercial customers and submit recommendations to the Manager in accordance with the Bank’s lending guidelines, procedures and regulations.
Support the Manager in the management, monitoring, controlling, reviewing and servicing of the portfolio of Corporate/ Commercial customers.
Negotiating with customers the best terms and conditions possible for the Bank.
Review the daily excess report and ensure that exposures are approved by the appropriate level of authority, including the timely submission of AD15s (Excess Reports) when necessary;
Contribute towards the achievement of the Annual Operating Plan.
Identify and contact potential customers with the aim of winning new business and to meet annual targets set in terms of growth in the lending portfolio and generation of ancillary income.
Prepare credit applications for the review of facilities whilst also ensure the timely provision of security required and contribute towards the perfection of the security held by the Bank including the registration in the LPS and liaising with the Credit Services Unit.

Requirements

Preferably possess or is in the process of obtaining a qualification in banking, finance, accounting, risk, compliance or related field.
Preferably possess a minimum of two years working experience in Commercial Banking.
Be customer driven with strong focus on quality of service.
Possess excellent judgement skills.
Be organised and prepared to work under pressure.

Benefits at APS Bank

Join our team and enjoy a competitive remuneration package and a range of employee benefits, including:

🎯 Performance bonus

📈 Preferential interest rates on home and personal loans

💶 Private pension plan

🏥 Health insurance

🧠 Ongoing professional training

👩 🏫 Opportunities for career growth

🏃 Sports and fitness activities' subsidy

🏋️ Free gym facilities at APS Centre

😀 A dynamic and friendly work environment

Closing date

30 June 2026

Diversity, equity, and inclusion are central to our mission of fostering an inclusive work environment where differences are celebrated, enabling individuals to achieve and contribute to their highest potential. At APS Bank, our commitment to diversity, equity and inclusion is deeply embedded in our culture, guiding our interactions with customers, employees, students, suppliers, and communities.

Senior Commercial Officer

Job Description