CNB Bank, Portfolio Monitoring Analyst

CNB Bank • Clearfield, PA

1d

About The Position

The Portfolio Monitoring Analyst serves as a link between credit administration and relationship management, supporting timely review and accurate analysis of commercial loan performance. The role helps safeguard portfolio quality and identify emerging risks through financial covenant testing, financial spreading, and proactive communication. It requires analytical ability, accountability, and collaboration to support sound credit decisions and maintain portfolio integrity.

The position has three levels. Analyst I performs foundational financial spreading and covenant calculations with minimal assistance after training, completes covenant testing forms, identifies discrepancies, and calculates proposed risk ratings. Analyst II independently produces accurate covenant calculations and supporting commentary, collaborates to resolve documentation or tracking errors, maintains portfolio data quality, and assists with reporting and projects. Analyst III mentors junior team members, advises business partners, reviews customer and loan information, recommends process improvements, and completes complex covenant calculations and requested manual loan-level stress testing, particularly for customers with aggregate credit exposure above $5 million.

The role is based in a professional office environment, with considerable desk work using office equipment and regular communication with others. Occasional travel to market areas and offsite seminars or training sessions may be required. The position also encourages ongoing professional development in credit analysis, commercial lending, communication, leadership, and technical skills.

Requirements

• Bachelor’s degree from a four-year college or university in business, accounting, finance, or a related field.
• Strong professional written and verbal communication skills, including the ability to communicate observations clearly and concisely in reports and documentation.
• Ability to read, comprehend, and analyze business periodicals, professional journals, financial reports, policy and procedure documents, training materials, and commercial loan documentation.
• Digital literacy, including use of telephone systems, email, internet, and intranet.
• Ability to learn and use core transaction systems, digital imaging systems, loan origination systems, Microsoft Office programs, and other relevant computer programs.
• Mathematical and analytical skills for evaluating financial information, calculating and monitoring covenants, identifying trends, and measuring financial performance.
• Analytical, quantitative, and deductive reasoning; critical thinking; problem-solving; decision-making; and attention to detail.
• Ability to understand and carry out instructions furnished in written, oral, or diagram form.
• Ability to travel occasionally to market areas and attend offsite seminars or training sessions.
• A background screening will be conducted.

Nice To Haves

• Two or more years of commercial credit analysis or commercial lending experience is preferred.

Responsibilities

• Review assigned commercial loans in a timely manner to assess ongoing credit risk.
• Test required financial covenants and determine compliance using the executed loan documents.
• Update financial spreads in the bank’s loan origination system upon receipt of customer financial statements.
• Identify deviations from agreed performance metrics and raise credit concerns with relevant business partners.
• Collaborate with business partners to support appropriate use of performance covenants and accurate calculation language in documentation.
• Complete covenant testing forms and provide clear commentary and next-step recommendations appropriate to the analyst level.
• Identify discrepancies among loan approvals, executed loan documents, and the internal covenant tracking system, and escalate them as appropriate.
• Calculate proposed risk ratings using the bank’s internal matrix as updated financial information is received and spread.
• Maintain accurate, consistent commercial loan portfolio data and documentation.
• Assist with gathering data and reviewing portfolio monitoring reports and projects as assigned.
• Mentor and develop junior team members and advise business partners on covenant usage, wording, calculation, and tracking, as appropriate to the analyst level.
• Review commercial customer and related loan information independently and objectively, providing feedback and recommendations.
• Recommend process improvements and innovative solutions for commercial loan portfolio monitoring.
• Complete complex loan covenant calculations, particularly for customers with aggregate credit exposure above $5 million, and perform manual loan-level stress testing when requested.
• Prioritize multiple assignments, identify obstacles, and proactively communicate delays or availability.
• Pursue professional development using internal and external resources.

Benefits

• Medical, dental, vision, and life insurance
• 401(k) with company match
• Paid time off and recognized holidays
• Leave policies
• Voluntary life, accident, critical illness, hospital indemnity, and pet benefit options
• Employee Assistance Program
• Employee Health & Wellness Program
• Special loan and deposit rates
• Gradifi Student Loan Paydown Plan
• Rewards and recognition programs

What This Job Offers

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