Commercial Lending Portfolio Manager

Careers@C&N • Coudersport, PA

6h • Onsite

About The Position

This role is responsible for maintaining the health of the commercial loan portfolio by analyzing financials, monitoring performance, and ensuring regulatory compliance. The Commercial Lending Portfolio Manager will partner closely with relationship managers to provide exceptional client support. This position requires comfort navigating complex financial data, problem-solving, and working behind the scenes to protect the bank and its clients. It is a collaborative, fast-paced environment for individuals looking to build on their credit expertise.

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

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 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