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CNB Bank · 1 day ago

CNB Bank, Commercial Relationship Manager

State College, PA

Full-time

Onsite

Mid, Senior Level

2+ years exp

CNB Bank is seeking a Commercial Relationship Manager to manage and grow a portfolio of business clients by delivering customized financial solutions. The role involves developing new business opportunities, maintaining strong client relationships, and ensuring the profitability and credit quality of the portfolio.

BankingFinanceFinancial Services

Growth Opportunities

Responsibilities

Serve as the primary point of contact for a portfolio of commercial clients

Build and maintain long-term relationships with business owners, CEO/President, CFOs, and other key decision-makers

Conduct regular client reviews to assess financial needs and satisfaction

Analyze financial statements and assess creditworthiness of clients

Structure and negotiate commercial loans and credit facilities

Work with credit analyst to assist with the underwriting of credit proposal

Approves loans within specified limits or present loans to loan committee for approval

Monitor portfolio performance, including loan covenants, renewals, and risk ratings

Identify and mitigate potential risks within the portfolio

Ensure compliance with internal policies and regulatory requirements

Identify and pursue new business opportunities through networking, referrals, and market research

Actively promote products and services and refer existing and potential customers to Treasury Management, Private Banking, and Wealth and Asset Management

Collaborate with product specialists to deliver comprehensive financial solutions

Work closely with credit analysts, commercial services, and operations teams to ensure smooth onboarding and servicing of clients

Participate in team meetings

Ensures loan documents are complete and accurate according to policy

Qualification

Commercial banking experienceClient relationship managementCredit analysisBusiness developmentPortfolio managementLoan structuringProfessional communicationInterpersonal skillsProblem-solvingTeam collaboration

Required

Bachelor's degree (B.A.) from a four-year college or university; or related experience and/or training, or equivalent combination and experience

Two -ten+ years of experience in commercial banking, depending on level (Officer, AVP, VP, SVP)

Successful completion of required background checks is required

Ability to read, comprehend, and interpret documents

Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization

Ability to communicate to clients directly and effectively

Ability to add, subtract, multiply, and divide in all units of measure

Ability to compute rate, ratio, and percent and to draw and interpret bar graphs

Apply mathematical fractions, percentages, ratios, and proportions to practical situations

Knowledge in reading and interpreting financial documents required

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form

Ability to solve challenging problems involving several variables in a standardized situation