Commercial Lending Portfolio Manager

Who are we? For over 160 years, C&N has been committed to creating value through lifelong relationships with our customers, communities, shareholders, and teammates. What sets us apart from other banks is our unwavering dedication to embodying our values of teamwork, excellence, respect, responsibility & accountability, integrity, and having fun in everything we do, daily. From partnering closely with our customers and guiding them toward their life aspirations to supporting our local communities through our many initiatives, including “Giving Back, Giving Together,” to making the best decisions for the long‑term interests of our shareholders, C&N is committed to being the only financial institution that our customers will ever need. At the heart of what we do are our employees! C&N is a team of passionate, imaginative professionals dedicated to making a positive difference. We believe in fostering a culture where every employee thrives. Join us to be part of a team that values innovation, collaboration, and excellence, where your career aspirations are supported, and your talents are appreciated. Who are you? You’re a detail‑oriented financial professional with a sharp eye for credit risk and a passion for supporting business lending. As a Commercial Lending Portfolio Manager, you’ll play a key role in maintaining the health of our commercial loan portfolio — analyzing financials, monitoring performance, and ensuring regulatory compliance — all while partnering closely with relationship managers to provide exceptional client support. You’re comfortable navigating complex financial data, love solving problems, and enjoy working behind the scenes to protect the bank and its clients. If you’re ready to build on your credit expertise in a collaborative, fast‑paced environment, this role may be the perfect fit. You will be responsible for: 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 your commercial lending knowledge. Requirements: Education & Experience – You will need a 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. Skills – Detail Oriented Critical Thinking Strong Research Skills Strong Communication; public speaking experience helpful Knowledgeable of Accounting Standards Key Competencies – Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively. Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions. Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact. Manages Ambiguity: Navigates uncertainty with confidence, makes decisions without complete information, and remains calm and effective in dynamic situations. Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes. Nimble Learning: Adapts quickly, explores solutions, embraces new challenges, and learns from mistakes. Why C&N? Achieve & Grow: Your success is our success. At C&N, you’ll grow alongside our customers as we work together to achieve meaningful goals. Learn & Develop: Collaboration is at the heart of what we do. You’ll learn from and with your teammates, fostering both personal and professional growth. Contribute & Be Rewarded: Your contributions make a difference, and we recognize your impact through competitive rewards and career advancement opportunities. Share & Celebrate: Together, we give back and celebrate the milestones that matter to our communities. Comprehensive Benefits for Your Success: Paid Time Off: Generous vacation, personal, sick, family sick, and community service leave. Retirement Savings: 401(k) with pre‑tax and ROTH contribution options and a safe harbor match, plus an Employee Stock Ownership Plan (ESOP). Health & Wellness: 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. Career Development: Access to education and development programs and ongoing support for personal and professional growth. With C&N, you can customize your benefits to fit your life while growing your career in a supportive and rewarding environment. #J-18808-Ljbffr C&N