Commercial Portfolio Manager

ACNB Bank; West Lawn (PA); On-site; USD 90,000 - 120,000; Full time

Job summary

ACNB Bank, based in Gettysburg, PA, seeks a Commercial Portfolio Manager to oversee a portfolio of commercial lending relationships on-site in West Lawn, PA. You will monitor credit quality, analyze financials, and coordinate with relationship managers to tailor credit solutions to client needs.

The role emphasizes accurate covenant monitoring, credit memos, and maintaining regulatory compliance while delivering high-quality client service in a collaborative environment.

Qualifications

• Bachelor’s degree in finance, accounting, or business; credit experience preferred.
• Strong analytical skills for reviewing financial statements, cash flow, and collateral.
• Experience with underwriting and portfolio management in a commercial banking setting.

Responsibilities

• Manage a portfolio of commercial lending relationships with ongoing credit monitoring.
• Prepare credit memos and annual reviews; assess covenant compliance.
• Collaborate with relationship managers to structure credit solutions and support client needs.

Skills

Commercial credit analysis

Risk assessment

Portfolio management

Loan documentation

Underwriting

Regulatory compliance

Communication

Detail orientation

Financial statement analysis

Cash flow analysis

Education

Bachelor’s degree in finance or related field

Tools

Banking software

Spreadsheets

Data analysis tools

Job description

Company Description ACNB Bank is a wholly-owned subsidiary of ACNB Corporation, an independent financial holding company headquartered in Gettysburg, Pennsylvania. Founded in 1857, the bank provides banking and wealth management services, including trust and retail brokerage, through a network of community banking offices in southcentral Pennsylvania and Maryland. ACNB Bank operates loan offices in Lancaster and York, PA, and Hunt Valley, MD, and its Maryland divisions, FCB Bank and NWSB Bank, serve customers in Frederick and Carroll Counties. The corporation also includes ACNB Insurance Services, Inc., a full-service insurance agency licensed in 44 states. ACNB Bank is a Member FDIC and Equal Housing Lender, committed to serving local communities with reliable financial solutions.

Role Description The Commercial Portfolio Manager is a full-time, on-site position based in West Lawn, PA. This role is responsible for managing a portfolio of commercial lending relationships, including ongoing credit monitoring, risk assessment, and performance evaluation of commercial loans. The Commercial Portfolio Manager collaborates with relationship managers to support client needs, prepares and analyzes financial statements and cash flow projections, and assists in structuring credit solutions that align with bank policies. Daily responsibilities include reviewing covenant compliance, preparing credit memos and annual reviews, addressing portfolio exceptions, and ensuring adherence to regulatory and internal risk management standards. The role also involves direct communication with clients to gather information, respond to inquiries, and support long-term relationship growth while maintaining a high level of service and professionalism.

Qualifications

• Strong commercial credit analysis and risk assessment skills, including experience reviewing financial statements, cash flow, and collateral.
• Proficiency with portfolio management practices, loan documentation, and underwriting processes in a commercial banking environment.
• Solid knowledge of banking regulations, lending policies, and compliance requirements relevant to commercial lending.
• Effective communication and interpersonal skills for working with clients, colleagues, and cross-functional teams.
• High attention to detail, strong organizational skills, and the ability to manage multiple priorities and deadlines.
• Comfort with financial and banking software systems, spreadsheets, and data analysis tools.
• Bachelor’s degree in finance, accounting, business, or a related field; relevant commercial banking or credit experience strongly preferred.
• Demonstrated ability to work on-site in a collaborative environment and maintain confidentiality and ethical standards.