CNB Bank, Portfolio Monitoring Analyst (Credit Admin) -Hybrid

CNB Financial Corporation•Clearfield, PA

20h•Hybrid

About The Position

The Portfolio Monitoring Analyst serves as a vital link between credit administration and relationship management, ensuring the timely review and accurate analysis of commercial loan performance. Through detailed covenant testing, financial spreading, and proactive communication, the analyst helps safeguard portfolio quality and identify emerging risks. This position demands a high level of analytical ability, accountability, and collaboration to support sound credit decisions and maintain portfolio integrity.

Requirements

Bachelor’s degree from a four-year college or university in the area of business, accounting, finance or other related field and 2 or more years of commercial credit analysis or commercial lending experience preferred.
Ability to read, comprehend and analyze general business periodicals, professional journals, financial reports, policy and procedure documents, job-related training materials, and commercial loan documentation.
Possess strong professional communication skills, both written and verbal, with the ability to effectively communicate with teammates, business partners, management, and other bank personnel.
Demonstrate the ability to convey observations and insights clearly and concisely in written reports and documentation, ensuring accurate and effective communication of key information.
Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use.
Prior experience or the ability to learn core transaction system, digital imaging system, loan origination system, Microsoft Office programs, and any other computer programs pertinent to performing job duties.
Possess a solid foundation in mathematical and analytical skills in relation to evaluating financial information.
Ability to apply mathematical reasoning to accurately calculate and monitor financial covenants, identify trends, and measure financial performance over time.
Possess a range of reasoning abilities to assess financial information, identify risks and effectively monitor the commercial loan portfolio.
Exhibit skills in analytical, quantitative, and deductive reasoning, critical thinking, problem solving, decision-making and attention to detail.
Ability understanding and carry out instructions furnished in written, oral, or diagram form.

Nice To Haves

2 or more years of commercial credit analysis or commercial lending experience preferred.

Responsibilities

Assess ongoing credit risk in the bank’s commercial loan portfolio through the timely review of assigned loans.
Test all financial covenants required for assigned loans in the commercial portfolio and determine compliance based on parameters set forth in the executed loan documents.
Upon receipt of required financial statements from the customer, update spreads within the bank’s loan origination system.
Identify any deviations from agreed upon performance metrics and raise credit concerns to all related business partners.
Collaborate with business partners to ensure appropriate usage of performance covenants and accurate documentation of calculation verbiage.
Exhibit a basic understanding of all types of business and personal financial information and, after appropriate training, be able to spread financial data in the bank’s loan origination system with minimal assistance.
Ability to locate required covenant calculation language in all executed loan documents and perform basic financial covenant calculations as defined in the bank’s Standard Covenant Calculation Verbiage document.
Complete Covenant Testing Forms for all assigned customers on a timely basis with minimal assistance.
Identify discrepancies between loan approvals, executed loan documents and the bank’s internal covenant tracking system and bring to the attention of the department manager as appropriate.
Ability to calculate proposed risk ratings utilizing the bank’s internal matrix as updated financial information is received and spread.
Consistently execute accurate performance covenant calculations for inclusion on the Covenant Testing Forms along with clear and concise commentary supporting the covenant compliance determination and providing next-step recommendations as appropriate.
Proactively collaborate with business partners to resolve any noted errors relating to covenant verbiage contained in executed loan agreements or tracking within the loan origination system.
Independently work towards achieving department and organization goals, seeking information, and collaborating, as necessary.
Maintain high standards in regard to commercial loan portfolio data quality and consistency; ensure that all commercial loan portfolio monitoring efforts are documented properly and accurately.
Assist with data gathering and review for various portfolio monitoring reporting and projects as assigned.
Assist department manager with training needs by way of mentoring and developing junior team members and acting as a trusted advisor to business partners regarding covenant usage, verbiage, calculation, and tracking.
Review all commercial customer and related loan information independently and objectively, providing feedback and recommendations to appropriate business partners.
Provide department leadership with suggestions on process improvements and innovative solutions to enhance efficiency and continuous improvements in all areas of commercial loan portfolio monitoring.
Independently review and complete complex loan covenant calculations, with a primary focus on customers with aggregate credit exposure in excess of $5MM; complete manual loan-level stress testing as requested.
Prioritize and execute multiple assignments; identify obstacles within the scope of assignments; proactively communicate delays in deliverable or additional capacity availability.
Takes initiative in pursuing professional growth by leveraging the bank’s internal and external resources to enhance job-specific skills in credit analysis and commercial lending.
Actively engage in opportunities to develop broader competencies, including communication, leadership, and technical skills, contributing to personal growth, career advancement and overall success of the department and organization.

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!