CNB Bank, Portfolio Monitoring Analyst; Credit Admin -Hybrid

The Portfolio Monitoring Analyst serves as a vital link between credit administration and relationship management, ensuring the timely review and accurate analysis of commercial loan performance. Through detailed covenant testing, financial spreading, and proactive communication, the analyst helps safeguard portfolio quality and identify emerging risks. This position demands a high level of analytical ability, accountability, and collaboration to support sound credit decisions and maintain portfolio integrity

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

• Assess ongoing credit risk in the bank’s commercial loan portfolio through the timely review of assigned loans.
• Test all financial covenants required for assigned loans in the commercial portfolio and determine compliance based on parameters set forth in the executed loan documents.
• Upon receipt of required financial statements from the customer, update spreads within the bank’s loan origination system.
• Identify any deviations from agreed upon performance metrics and raise credit concerns to all related business partners.
• Collaborate with business partners to ensure appropriate usage of performance covenants and accurate documentation of calculation verbiage.

Builds 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 – Maintain a high regard for the qualities, skills and positive attributes of colleagues, cultivating an environment where everyone feels valued, heard and empowered to contribute their best.
• Client Focus – Proactively seek to understand and prioritize meeting the needs of our internal clients (. Play a key role in supporting our internal clients in achieving their goals and contribute to the overall success of the organization.
• Inclusion – Actively work to create an environment where everyone feels valued, respected and has a strong sense of belonging. Leverage each team member’s unique viewpoints and skills.

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 confidence and vision while guiding, motivating, and empowering others to achieve shared goals in a supportive and results-driven environment.
• Integrity – Consistently act in a way that is honest, ethical, and responsible, building trust and fostering a positive work environment.
• Collaboration – Exhibit a team-oriented mindset, contributing to a culture of collaboration and open, effective communication. Actively engage with cross-functional teams, working towards building strong, productive working relationships.
• Volunteerism
  – Seek opportunities to support local initiatives and make a positive impact in local communities.

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 – Take ownership of responsibilities, follow through on commitments, and deliver work on time. Address challenges proactively and use setbacks as opportunities to learn and improve.
• Innovation – Demonstrates creativity and forward thinking by identifying opportunities for improvement and implementing effective solutions that enhance processes and results.
• Professionalism – Contribute positively to the team and the organization's overall success, building a reputation for trust, excellence and reliability.

• Exhibit a basic understanding of all types of business and personal financial information and, after appropriate training, be able to spread financial data in the bank’s loan origination system with minimal assistance.
• Ability to locate required covenant calculation language in all executed loan documents and perform basic financial covenant calculations as defined…