Job Description

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 are a dynamic, results-driven professional with a passion for building strong client relationships. Join our team as a Commercial Lending Relationship Manager II, where you will play a key role in driving business growth by selling loans and a wide range of financial products to commercial clients. In this exciting, client-facing position, you will be out in the field, actively engaging with businesses in your community and identifying opportunities to meet their financial needs. You'll have the opportunity to work closely with experienced Commercial Lending leaders, collaborating on larger and more complex loan transactions as needed. Continue reading to learn more!

You will be responsible for:

1. Expanding and maintaining a high-quality loan portfolio by building strong client relationships, managing delinquency, and achieving sales goals through an annual market development plan.
2. Conducting detailed financial analyses to assess loan feasibility, collaborating with the Credit Department, and advising clients on financial strategies.
3. Approving loans within authority limits and preparing comprehensive referrals for committee approvals, ensuring potential risks are identified.
4. Performing regular portfolio reviews, updating client financials, and monitoring delinquency to maintain quality metrics.
5. Collaborating with internal teams to promote cross-selling opportunities and contribute to the overall growth of the commercial lending team.

Requirements:

Education & Experience – You will need a bachelor's degree in a directly related field AND one 4-6 years of related experience and/or training OR an equivalent combination of education and experience.

Skills – You should possess well-developed abilities and a proven track record in the following areas:

• Sales Experience
• Critical Thinking
• Strong Research Skills
• Strong Communication
• Active Listening
• Detail Oriented
• Analytical
• Portfolio Management Skills
• Basic Understanding of Credit

Key Competencies – The combination of skills, behaviors, and attributes required to perform effectively in a role and achieve organizational goals include:

• Interpersonal Savvy: Builds positive relationships across levels, functions, and cultures with diplomacy and tact.
• Instills Trust: Maintains integrity, follows through on commitments, and earns credibility through consistent actions.
• Manages Complexity: Analyzes situations, gathers data, and evaluates options to solve complex problems effectively.
• Business Insight: Understands business operations, market trends, and applies knowledge to drive results.
• Customer Focus: Delivers tailored solutions, exceeds expectations, and builds strong customer relationships.
• Drives Results: Achieves goals despite challenges and motivates others to deliver strong outcomes.

Why C&N?

At C&N, we’re more than just a team – we’re a community working together toward a shared mission: the success of our customers, teammates, shareholders, and communities.

• 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.

We’re proud of our award-winning workplace culture, recognized repeatedly with the NBRI Circle of Excellence Award. At C&N, we live our values every day, creating a supportive, inclusive, and dynamic environment where you can thrive.

Comprehensive Benefits for Your Success:

At C&N, we offer more than just a competitive salary – our robust benefits package is designed to support your well-being, career growth, and work-life balance. Highlights include:

• 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.