Job Description

Responsible for managing an assigned commercial loan portfolio and performing duties to meet the commercial services needs of business customers; complying with operating policies and procedures established for the commercial banking function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

Performs a variety of duties in managing an assigned commercial loan portfolio and performs a variety of duties to meet the commercial services needs of business customers as illustrated by the following:

• 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.
• Coordinates 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.
• Monitors and coordinates necessary funding documentation/requirements for construction loans.
• Administers lines of credit; ensures lines of credit are compliant with terms and conditions.
• Works with Relationship Managers to resolve line of credit renewals and loan maturities.
• Participates in customer calls with Relationship Managers and Credit Officers.
• Recommend risk rating changes as appropriate.
• 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.
• Monitors and maintains management reports for pending maturities of loans, covenant(s) compliance/defaults, loan delinquencies and financial statement reporting compliance/defaults for assigned portfolio.
• Monitors and ensures the timely completion of annual reviews, modifications and renewals for assigned portfolio.
• Prepares files for auditors, examiners, and regulators review.
• Assists customers in obtaining specialized services from other Bank departments as necessary; provides help to customers with specific inquiries or service problems.
• 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 Speak to others with kindness, empathy, and fairness
• 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 Demonstrate ability to positively influence others to achieve
• Integrity Strong business ethics and honest behaviors
• Collaboration Positively work with others to produce excellent results
• Volunteerism A recognized and visible presence in serving our communities

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 Personal responsibility for assigned areas and actions
• Innovation Applies creative thinking and forward-looking solutions to drive continuous improvement and adapt to evolving challenges
• Professionalism Reflects skill, good judgment, and positive conduct

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross functional opportunities that foster growth and learning.

Requirements

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. Bachelor's degree (B.A.) from four-year college or university; five years or more of related commercial experience and/or training required. Successful completion of required background checks is 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: To perform this job successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. 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. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

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

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!

Eligibility requirements apply.

BankOnBuffalo 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.

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