Commercial Lending Relationship Manager II

C&N; Coudersport (Potter County); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Generous paid time off

Retirement savings with 401(k) options

Health, dental, and vision coverage

Flexible Spending Accounts for medical

Employer-paid life and disability insurance

Career development programs

Job summary

A financial services provider is looking for a Commercial Lending Relationship Manager II to drive business growth by selling loans and financial products to commercial clients. Responsibilities include managing a high-quality loan portfolio, conducting financial analyses to assess loan feasibility, and collaborating with internal teams for cross-selling opportunities. Candidates should have a bachelor's degree and 4-6 years of relevant experience, with strong critical thinking and communication skills required.

Qualifications

• Bachelor's degree required with related experience or equivalent combination.
• 4-6 years in commercial lending or related fields preferred.

Responsibilities

• Expand and maintain a high-quality loan portfolio.
• Conduct financial analyses for loan feasibility.
• Approve loans and prepare comprehensive referrals.
• Perform regular portfolio reviews and monitor delinquency.
• Promote cross-selling opportunities within teams.

Skills

Critical Thinking

Strong Research Skills

Strong Communication

Detail Oriented

Analytical

Basic Understanding of Credit

Education

Bachelor's degree in a directly related field

4-6 years of related experience

Job description

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:

• 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.
• Conducting detailed financial analyses to assess loan feasibility, collaborating with the Credit Department, and advising clients on financial strategies.
• Approving loans within authority limits and preparing comprehensive referrals for committee approvals, ensuring potential risks are identified.
• Performing regular portfolio reviews, updating client financials, and monitoring delinquency to maintain quality metrics.
• 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

• Critical Thinking
• Strong Research Skills
• Strong Communication
• Detail Oriented
• Analytical
• Basic Understanding of Credit

Key Competencies

• 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.

Benefits

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, 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.

Additional Benefits

With C&N, you can customize your benefits to fit your life while growing your career in a supportive and rewarding environment.