CNB Bank, Commercial Relationship Manager

Cnb Bank • Bradford, PA

120d

About The Position

The Commercial Relationship Manager is responsible for managing and growing a portfolio of business clients by delivering customized financial solutions. This role involves developing new business opportunities, maintaining strong client relationships (includes collection efforts), and ensuring the profitability and credit quality of the portfolio. Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

Requirements

• Bachelor's degree (B.A.) from a four-year college or university; or related experience and/or training, or equivalent combination and experience.
• Two - ten+ years of experience in commercial banking, depending on level (Officer, AVP, VP, SVP).
• Ability to read, comprehend, and interpret documents.
• Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization.
• Ability to communicate to clients directly and effectively.
• Ability to add, subtract, multiply, and divide in all units of measure.
• Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• Ability to solve challenging problems involving several variables in a standardized situation.

Responsibilities

• Serve as the primary point of contact for a portfolio of commercial clients.
• Build and maintain long-term relationships with business owners, CEO/President, CFOs, and other key decision-makers.
• Conduct regular client reviews to assess financial needs and satisfaction.
• Analyze financial statements and assess creditworthiness of clients.
• Structure and negotiate commercial loans and credit facilities.
• Work with credit analyst to assist with the underwriting of credit proposal.
• Approve loans within specified limits or present loans to loan committee for approval.
• Monitor portfolio performance, including loan covenants, renewals, and risk ratings.
• Identify and mitigate potential risks within the portfolio.
• Ensure compliance with internal policies and regulatory requirements.
• Identify and pursue new business opportunities through networking, referrals, and market research.
• Actively promote products and services and refer existing and potential customers to Treasury Management, Private Banking, and Wealth and Asset Management.
• Collaborate with product specialists to deliver comprehensive financial solutions.
• Work closely with credit analysts, commercial services, and operations teams to ensure smooth onboarding and servicing of clients.
• Participate in team meetings.
• Ensure loan documents are complete and accurate according to policy.

Benefits

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree