Community Bank, N.A.
Overview
At Community Financial System, Inc. (CFSI), we provide customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. We’re committed to our employees as well as our customers. We offer competitive compensation, benefits, and opportunities for development and advancement. CFSI is an equal-opportunity workplace and affirmative-action employer that supports a diverse workplace for the benefit of all: 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 timely underwriting of credit requests. Coordinate and administer training of Credit Underwriters in credit, collateral and cash flow analysis, including commercial loan documentation review, regulatory issues and loan policies/procedures. Oversee 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 include: Manage and coordinate the workflow and administrative functions of the Regional Credit Department with Credit Underwriters and Commercial Lenders to: Ensure all required loan request information is available to assign work and begin underwriting; Address deficiencies and/or structural issues in loan packages; Assess ongoing status of active and inactive credit requests, schedule completion dates, and prioritize workloads to meet lender/customer requirements; Review credit underwriting memorandums for completeness, accuracy and appropriateness of loan structure and lending conditions; resolve deficiencies with the Commercial Lender prior to submission to lender or Loan Committee. Coordinate the administrator’s training of Credit Underwriters by evaluating each underwriter’s credit skills and providing formalized or on-the-job training assignments. Oversee personnel-related duties including: a) Reviewing resumes, selecting qualified candidates, conducting initial interviews, selecting for second interviews with the Senior Credit Manager, and recommending hires; b) Preparing annual MBOs and performance assessments, and conducting semi-annual and annual reviews for each underwriter; c) Evaluating performance and recommending salary progressions and promotions to the Senior Credit Manager; d) Initiating and following through on disciplinary actions as prescribed by HR policy with the Senior Credit Manager. Qualifications
Education/Training:
Bachelor’s Degree in a business field (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, mathematics, interpersonal and communication skills (verbal and written); strong knowledge of credit analysis techniques, loan structuring and loan documentation requirements; sound management skills and the ability to work independently with minimal oversight; ability to coordinate staff efforts and work with all levels of management; PC proficiency in Word and 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 merit increases. Benefits include 11 paid holidays, paid vacation, medical, vision & dental insurance, 401K with generous match, pension, tuition reimbursement, banking discounts, and more. Physical Requirements:
The physical demands described are representative of those required to perform the essential functions of this job. Reasonable accommodations may be made for disabilities. The role may require standing, walking or sitting; use of hands; reaching; speaking and hearing. Ability to lift up to 25 pounds occasionally. Specific vision requirements include close vision and focus. EEO:
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 law. The Company will make reasonable accommodations for qualified individuals with a disability. For accommodation requests related to the application process, contact the Human Resources Department.
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At Community Financial System, Inc. (CFSI), we provide customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. We’re committed to our employees as well as our customers. We offer competitive compensation, benefits, and opportunities for development and advancement. CFSI is an equal-opportunity workplace and affirmative-action employer that supports a diverse workplace for the benefit of all: 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 timely underwriting of credit requests. Coordinate and administer training of Credit Underwriters in credit, collateral and cash flow analysis, including commercial loan documentation review, regulatory issues and loan policies/procedures. Oversee 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 include: Manage and coordinate the workflow and administrative functions of the Regional Credit Department with Credit Underwriters and Commercial Lenders to: Ensure all required loan request information is available to assign work and begin underwriting; Address deficiencies and/or structural issues in loan packages; Assess ongoing status of active and inactive credit requests, schedule completion dates, and prioritize workloads to meet lender/customer requirements; Review credit underwriting memorandums for completeness, accuracy and appropriateness of loan structure and lending conditions; resolve deficiencies with the Commercial Lender prior to submission to lender or Loan Committee. Coordinate the administrator’s training of Credit Underwriters by evaluating each underwriter’s credit skills and providing formalized or on-the-job training assignments. Oversee personnel-related duties including: a) Reviewing resumes, selecting qualified candidates, conducting initial interviews, selecting for second interviews with the Senior Credit Manager, and recommending hires; b) Preparing annual MBOs and performance assessments, and conducting semi-annual and annual reviews for each underwriter; c) Evaluating performance and recommending salary progressions and promotions to the Senior Credit Manager; d) Initiating and following through on disciplinary actions as prescribed by HR policy with the Senior Credit Manager. Qualifications
Education/Training:
Bachelor’s Degree in a business field (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, mathematics, interpersonal and communication skills (verbal and written); strong knowledge of credit analysis techniques, loan structuring and loan documentation requirements; sound management skills and the ability to work independently with minimal oversight; ability to coordinate staff efforts and work with all levels of management; PC proficiency in Word and 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 merit increases. Benefits include 11 paid holidays, paid vacation, medical, vision & dental insurance, 401K with generous match, pension, tuition reimbursement, banking discounts, and more. Physical Requirements:
The physical demands described are representative of those required to perform the essential functions of this job. Reasonable accommodations may be made for disabilities. The role may require standing, walking or sitting; use of hands; reaching; speaking and hearing. Ability to lift up to 25 pounds occasionally. Specific vision requirements include close vision and focus. EEO:
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 law. The Company will make reasonable accommodations for qualified individuals with a disability. For accommodation requests related to the application process, contact the Human Resources Department.
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