Senior Commercial Lending Relationship Manager chez C&N Bank

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’re a driven, relationship-focused professional who thrives on helping businesses grow and succeed. At C&N, we’re seeking a Senior Commercial Lending Relationship Manager to join our Commercial Lending team. In this role, you’ll develop and manage complex commercial relationships, structure high-quality credit solutions, and deliver full-bank services that support our clients’ long-term success. You’ll spend much of your time out in the market—meeting with business owners, community leaders, and referral partners—building relationships that strengthen both our clients and our communities.

If you’re an experienced commercial lender who enjoys working with diverse industries and being part of a collaborative, purpose-driven team, this could be the opportunity for you.

You will be responsible for:

1. Business Development: Build and grow strong client relationships through proactive outreach, networking, and referrals. Spend the majority of your time in the market identifying and developing new commercial opportunities.

2. Portfolio Management: Manage an established portfolio of commercial clients by maintaining regular contact, reviewing performance, and ensuring client satisfaction and retention.

3. Credit Analysis: Evaluate, structure, and present complex commercial loans. Ensure sound credit quality, timely reviews, and compliance with policy and regulatory requirements.

4. Relationship Building: Serve as a trusted advisor to clients, offering holistic financial solutions—including deposits, treasury management, insurance, and investment services—in collaboration with internal partners.

5. Market Strategy: Execute an annual business development plan and partner with internal sales functions to support C&N’s growth goals.

6. Community Involvement: Represent C&N at business and community events to strengthen our presence and support local economic development.

Requirements:

Education & Experience – You will need a Bachelor's degree AND 8-12 years of previous related experience in commercial lending or relationship management and/or training OR an equivalent combination of education and experience.

Special Requirements – Travel to and from sales calls.

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

• Strong business development and networking skills.

• Proven ability to analyze and manage complex commercial credits.

• Excellent communication, negotiation, and presentation skills.

• Sound business insight and strategic thinking.

• High level of integrity, accountability, and follow-through.

• Ability to travel for client and community engagements.

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.