Community Bank, N.A.
Commercial Credit Department Manager
Community Bank, N.A., Buffalo, New York, United States, 14266
Overview
At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities
The primary responsibilities of the position are: Manage and coordinate the workflow and administrative functions of the regional Credit Department, working with Credit Underwriters and Commercial Lenders to ensure the timely turnaround and appropriate underwriting of credit requests. Coordinate and administer training of Credit Underwriters in all aspects of credit, collateral and cash flow analysis, including commercial loan documentation review, regulatory issues and loan policies/procedures. Oversee all aspects of personnel-related duties and assessments, including selection of new hires, establishment of annual MBOs for all Credit Underwriters, mid-year and annual performance reviews, disciplinary actions, etc. Essential Duties
Manages and coordinates the workflow and administrative functions of the Regional Credit Department by working in concert with the Credit Underwriters and Commercial Lenders to: a. Ensure that all required loan request information is in hand to assign work to underwriters and begin the underwriting process; b. Address any loan package informational deficiencies and/or loan request structural issues; c. Assess the ongoing status of active and inactive credit requests, schedule completion dates for active credits and prioritize individual underwriter workloads to meet lender/customer requirements; d. Review credit underwriting memorandums for completeness, accuracy and appropriateness of loan structure, lending conditions, assigned risk rating, etc. Discuss and resolve underwriting deficiencies or issues with Commercial Lenders prior to submission of credit underwriting memorandum to appropriate lender or Loan Committee for approval. Coordinate the administrator’s training of Credit Underwriters via the ongoing evaluation of each underwriter’s credit skills and providing formalized or on-the-job training assignments to enhance and build upon their skill set. Oversee all aspects of personnel-related duties and assignments by: a. Reviewing resumes, selecting qualified candidates, conducting initial interviews, selecting candidates for second interviews with the Senior Credit Manager and recommending candidates for hire. b. Preparing annual MBOs and performance assessments for review by the Senior Credit Manager and conducting semi-annual and annual reviews with each underwriter. c. Evaluating the ongoing performance of each underwriter and offering recommendations for salary progressions and promotions to the Senior Credit Manager. d. Initiating and following through on disciplinary actions as prescribed by HR policy in conjunction with the Senior Credit Manager. Qualifications
Education/Training:
Bachelor’s Degree in Business field of study (finance, economics, management, accounting); advanced credit analysis and loan structuring training required; management experience. All applicants must be 18 years of age or older. Skills:
Proficient reading, writing, grammar and mathematics; strong interpersonal and communication skills (verbal and written); diversified knowledge of credit analysis techniques; loan structuring and loan documentation requirements; thorough knowledge of bank lending policies and procedures; sound management skills; ability to coordinate staff efforts and work with all levels of management; PC proficiency (Word, Excel). Experience:
5 to 7 years of commercial credit analysis experience plus 1 to 2 years of supervisory experience. Knowledge of risk assessment, credit structuring, credit administration, commercial loan documentation review and applicable regulations. Strong training and mentoring capabilities. Other Job Information
Compensation:
Commensurate with experience plus potential for annual merit increase. In addition to a competitive salary, benefits include: 11 paid holidays, paid vacation, medical, vision & dental insurance, 401(k) with generous match, pension, tuition reimbursement, banking discounts, and more. Physical Requirements:
The physical demands described are representative of those that must be met to perform the essential functions. Reasonable accommodations may be made. The employee may be required to stand, walk or sit; use hands and fingers; reach with hands or arms; speak and hear. May occasionally lift/move up to 25 pounds. Specific vision abilities include close vision and the ability to focus. EEO Statement:
The Company is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law. The Company will make reasonable accommodations for qualified individuals with disabilities upon request.
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At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities
The primary responsibilities of the position are: Manage and coordinate the workflow and administrative functions of the regional Credit Department, working with Credit Underwriters and Commercial Lenders to ensure the timely turnaround and appropriate underwriting of credit requests. Coordinate and administer training of Credit Underwriters in all aspects of credit, collateral and cash flow analysis, including commercial loan documentation review, regulatory issues and loan policies/procedures. Oversee all aspects of personnel-related duties and assessments, including selection of new hires, establishment of annual MBOs for all Credit Underwriters, mid-year and annual performance reviews, disciplinary actions, etc. Essential Duties
Manages and coordinates the workflow and administrative functions of the Regional Credit Department by working in concert with the Credit Underwriters and Commercial Lenders to: a. Ensure that all required loan request information is in hand to assign work to underwriters and begin the underwriting process; b. Address any loan package informational deficiencies and/or loan request structural issues; c. Assess the ongoing status of active and inactive credit requests, schedule completion dates for active credits and prioritize individual underwriter workloads to meet lender/customer requirements; d. Review credit underwriting memorandums for completeness, accuracy and appropriateness of loan structure, lending conditions, assigned risk rating, etc. Discuss and resolve underwriting deficiencies or issues with Commercial Lenders prior to submission of credit underwriting memorandum to appropriate lender or Loan Committee for approval. Coordinate the administrator’s training of Credit Underwriters via the ongoing evaluation of each underwriter’s credit skills and providing formalized or on-the-job training assignments to enhance and build upon their skill set. Oversee all aspects of personnel-related duties and assignments by: a. Reviewing resumes, selecting qualified candidates, conducting initial interviews, selecting candidates for second interviews with the Senior Credit Manager and recommending candidates for hire. b. Preparing annual MBOs and performance assessments for review by the Senior Credit Manager and conducting semi-annual and annual reviews with each underwriter. c. Evaluating the ongoing performance of each underwriter and offering recommendations for salary progressions and promotions to the Senior Credit Manager. d. Initiating and following through on disciplinary actions as prescribed by HR policy in conjunction with the Senior Credit Manager. Qualifications
Education/Training:
Bachelor’s Degree in Business field of study (finance, economics, management, accounting); advanced credit analysis and loan structuring training required; management experience. All applicants must be 18 years of age or older. Skills:
Proficient reading, writing, grammar and mathematics; strong interpersonal and communication skills (verbal and written); diversified knowledge of credit analysis techniques; loan structuring and loan documentation requirements; thorough knowledge of bank lending policies and procedures; sound management skills; ability to coordinate staff efforts and work with all levels of management; PC proficiency (Word, Excel). Experience:
5 to 7 years of commercial credit analysis experience plus 1 to 2 years of supervisory experience. Knowledge of risk assessment, credit structuring, credit administration, commercial loan documentation review and applicable regulations. Strong training and mentoring capabilities. Other Job Information
Compensation:
Commensurate with experience plus potential for annual merit increase. In addition to a competitive salary, benefits include: 11 paid holidays, paid vacation, medical, vision & dental insurance, 401(k) with generous match, pension, tuition reimbursement, banking discounts, and more. Physical Requirements:
The physical demands described are representative of those that must be met to perform the essential functions. Reasonable accommodations may be made. The employee may be required to stand, walk or sit; use hands and fingers; reach with hands or arms; speak and hear. May occasionally lift/move up to 25 pounds. Specific vision abilities include close vision and the ability to focus. EEO Statement:
The Company is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable law. The Company will make reasonable accommodations for qualified individuals with disabilities upon request.
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