CNB Bank, Portfolio Monitoring Analyst
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 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 reviews assigned commercial loans, tests financial covenants against executed loan documents, updates financial spreads in the bank’s loan origination system, identifies deviations from agreed performance metrics, and raises concerns to relevant business partners. The analyst also collaborates with business partners on appropriate covenant usage and accurate calculation language. Responsibilities and expectations vary across Analyst I, II, and III levels, including increasingly independent and complex analysis, reporting, mentoring, process improvement, and manual stress testing. 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 job description notes that reasonable accommodations may be made for individuals with disabilities.
Requirements
- Bachelor’s degree from a four-year college or university in business, accounting, finance, or a related field.
- Two or more years of commercial credit analysis or commercial lending experience is preferred.
- Ability to read, comprehend, and analyze business periodicals, professional journals, financial reports, policy and procedure documents, training materials, and commercial loan documentation.
- Strong written and verbal professional communication skills, including the ability to communicate clearly with teammates, business partners, management, and other bank personnel.
- Ability to convey observations and insights clearly and concisely in written reports and documentation.
- Digital literacy, including use of email, the internet, and intranet, and ability to use telephone systems.
- Prior experience with, or ability to learn, core transaction systems, digital imaging systems, loan origination systems, Microsoft Office, and other pertinent computer programs.
- Solid 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 provided in written, oral, or diagram form.
- Ability to work in a professional office environment and use office equipment such as computers, phones, and printers.
- 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.
- For Analyst II and III expectations: demonstrated experience performing accurate covenant calculations, writing clear compliance commentary and recommendations, collaborating with business partners, and maintaining loan portfolio data quality.
- For Analyst III expectations: experience with complex covenant calculations, aggregate customer exposures above $5 million, manual loan-level stress testing, mentoring, and process improvement.
Responsibilities
- Review assigned commercial loans in a timely manner to assess ongoing credit risk.
- Test required financial covenants for assigned commercial loans and determine compliance based on executed loan documents.
- Update financial spreads in the bank’s loan origination system after receiving customer financial statements.
- Identify deviations from agreed performance metrics and raise credit concerns with relevant business partners.
- Collaborate with business partners on performance covenant usage and the accuracy of calculation language in documentation.
- Complete covenant testing forms and document covenant compliance determinations, calculations, commentary, and recommendations as 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 commercial loan portfolio data quality and consistency, and ensure monitoring activities are documented properly and accurately.
- Assist with data gathering and review for portfolio monitoring reports and projects as assigned.
- Review commercial customer and related loan information independently and objectively, providing feedback and recommendations to business partners.
- Mentor junior team members and advise business partners on covenant usage, wording, calculation, and tracking, as appropriate to the analyst level.
- Suggest process improvements and solutions to improve efficiency in commercial loan portfolio monitoring.
- Complete complex 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 communicate potential delays or availability of additional capacity.
- Pursue professional development using internal and external resources to build credit analysis, commercial lending, communication, leadership, and technical skills.
- Travel occasionally to market areas and attend offsite seminars or training sessions.
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- 401(k) with company match
- Paid time off
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
