ERIEBANK, Commercial Loan Portfolio Manager

Key Responsibilities

• Manages the assigned commercial loan portfolio through administration duties.
• Verifies and reviews financial statements, tax returns, and other related financial information.
• Prepares financial statement spreadsheets to facilitate the analysis of the corporate financial statements and tax returns and personal financial statements and tax returns.
• Reviews related to financial information e.g. credit reports, leases, appraisals and property reports for loan renewals, loan extensions and annual credit reviews.
• Evaluates business industry and manages issues, analyzes trends and assesses overall credit risk.
• Identifies the relationship’s strengths and weaknesses.
• Collaborates with Relationship Managers the accumulation of all required information to facilitate covenant compliance monitoring and annual reviews.
• Prepares Annual Reviews - analyzes financial statements, evaluates historical operating performance and financial condition collateral and industry analysis, reviews covenant compliance and tracking requirements and identifies operational and credit risks for assigned portfolio customers.
• Prepares Commercial Loan Approvals and Modifications, including financial, collateral and industry analysis, as appropriate, for related portfolio customers or new customers, as needed.
• Maintains ongoing business relationships with assigned portfolio customers to provide a secondary Commercial Banking contact and take advantage of additional cross-selling opportunities.
• Validates Borrowing Base Certificates.
• Maintains a working knowledge of Bank operating policies and procedures which impact commercial services.
• Manage loan documentation process for new customers and assigned portfolio customers.
• Review loan documentation, both internally prepared and attorney prepared to ensure accuracy of the approved term and conditions, as needed. Resolve problems related to content of documentation.
• Performs tasks which are supportive in nature to the essential functions of the position, but which may be altered or re-designed depending upon individual circumstances.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements.

Attitudes

• Build Positive Relationships With Internal And External Clients By Valuing Other's Feelings And Rights In Both Words And Actions, And Embracing Other's Unique Beliefs, Backgrounds, And Perspectives By Demonstrating Respect
• Client Focus: Deliver consistent, high-quality service that builds trust and loyalty
• Inclusion: Encourage diverse viewpoints and contributions in decision-making collaboration

Behaviors

• Demonstrates Strong Business Ethics And Honest Behaviors And The Ability To Positively Influence And Work With Others To Achieve Excellent Results By Demonstrating Leadership
• Demonstrates Integrity: Strong business ethics and honest behaviors
• Positively works with others to produce excellent results
• Serves the community through volunteerism

Competencies

• Reflects Skill, Good Judgement, Positive Conduct, And Personal Responsibility For Assigned Areas
• Seeks To Implement And Leverage Services And Technologies That Create Efficiencies By Demonstrating Accountability
• Applies creative thinking and forward-looking solutions to drive continuous improvement and adapt to evolving challenges
• Reflects skill, good judgment, and positive conduct

Qualifications, Education, & Experience

• Bachelor's degree (B.A.) from four-year college or university; five years or more of related commercial experience and/or training required.

Language Skills

• 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 with clients directly and effectively.

Technology Skills

• Successful completion of required background checks is required.

Mathematical Skills

• Ability to add, subtract, multiply, and divide in all units of measure.
• Ability to compute rate, ratio, and percentage and to draw and interpret bar graphs.

Reasoning Ability

• 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.

Physical Demands and Work Environment

• The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.
• This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, calculators, copy machines and printers.
• Noise level is moderate with constant communication and interactions with others.

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!

Disclaimer

• This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

Employer Information

• ERIE BANK is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status.
• CNB FINANCIAL CORPORATION is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.