Commercial Lending Portfolio Manager

C&N • Coudersport, PA

1d

About The Position

As a Commercial Lending Portfolio Manager, you will play a key role in maintaining the health of our commercial loan portfolio — analyzing financials, monitoring performance, and ensuring regulatory compliance — all while partnering closely with relationship managers to provide exceptional client support. You’re comfortable navigating complex financial data, love solving problems, and enjoy working behind the scenes to protect the bank and its clients. If you’re ready to build on your credit expertise in a collaborative, fast-paced environment, this role may be the perfect fit.

Requirements

• Bachelor's degree in Accounting, Finance, Economics or a directly related field AND 2-4 years of experience as a portfolio manager and/or credit analyst with exposure to financial statement analysis and accounting.
• Familiarity with the DNA banking system and Moody’s Credit Lens credit spreading software is a plus OR an equivalent combination of education and experience.
• Detail Oriented
• Critical Thinking
• Strong Research Skills
• Strong Communication; public speaking experience helpful
• Knowledgeable of Accounting Standards
• Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
• Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions.
• Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
• Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations.
• Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.
• Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes.

Nice To Haves

• public speaking experience helpful

Responsibilities

• Monitoring assigned commercial loan portfolios for maturities, covenant compliance, renewals, and modifications.
• Supporting credit analysis by reviewing financial statements, preparing loan reviews, and contributing to new loan requests and renewals.
• Coordinating loan actions such as payoffs, covenant waivers, and modification approvals with internal teams and clients.
• Collaborating with relationship managers to support clients, gather documentation, attend meetings and site visits, and ensure relationship data is accurate.
• Managing risk and performance tracking, including delinquency reports, watch memos, and documentation exceptions.
• Ensuring compliance with internal credit policy and regulatory requirements across all portfolio activities.
• Contributing to process improvements and participating in ongoing training to expand your commercial lending knowledge.

Benefits

• Generous vacation, personal, sick, family sick, and community service leave.
• 401(k) with pre-tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP).
• Health, dental, and vision coverage, including employer-paid premium options for employee-only coverage.
• Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) for medical and dependent care.
• Employer-paid life and disability insurance.
• Additional voluntary coverages to meet your unique needs.
• Access to education and development programs and ongoing support for personal and professional growth.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level