Credit Risk Review Officer 3

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 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.

Responsible for performing a variety of duties relating to the loan review function in order to assist in the ongoing management of credit risk; achieving goals as established in the department's annual review schedule; complying with operating policies and procedures established for the loan review function; communicating with appropriate personnel; responding to inquiries and requests for information; maintaining appropriate records and providing reports.

• Perform various duties relating to the loan review function in order to assist in the ongoing management of credit risk as follows:
  
  • Conduct thorough credit reviews to analyze adherence to loan policy and procedure, credit quality collateral valuation, accuracy of core operating system as it relates to loan structure/pricing, and loan documentation.
  • Independently review, risk grade and critique the Bank's commercial loan portfolios as they relate to the Bank's risk rating system, banking industry best practices and the Bank's risk appetite. Independently review consumer installment and mortgage loans for compliance with Bank policy and procedure.
  • Generate a Loan Review work paper as a result of the duties outlined above as well as other reports as needed to fully analyze each credit assigned in the portfolio.
  • Be capable of working with minimal supervision while meeting established production requirements and review schedule deadlines. Inform team leader and/or manager of criticisms and regrades prior to issuing final draft.
  • Be comfortable discussing issues, criticisms, and conclusions with lenders and management as well as defending risk rating conclusions to Bank's regulators.
• Comply with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.
• Provide quality and timely service to customers, whether internal or external.
• Demonstrate cooperative efforts in working with other departments and within own department.
• Communicate with management and staff personnel in order to integrate goals and activities.
• Respond to inquiries relating to her/his particular area, or to requests from other Bank personnel within given time frame and within established policy.
• Participate in the Bank's acquisition due diligence team when required. Travel may be required.
• Satisfactorily complete Bank's annual training in a timely manner.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion.
• Work as part of a Team.

Education/Training:

• BS or BA degree in a business related field of study (e.g., Finance, Management, Economics, Accounting) required.
• All applicants must be 18 years of age or older.

Skills:

• Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations and communication skills; a thorough knowledge of current bank lending principles, policies, and practices; knowledge of all types of lending and loan products; proficient financial statement analysis skills; knowledge of current lending and collection laws and regulations; proficiency in Personal Computer programs such as Microsoft Word and Excel. Experience using Jack Henry/Silverlake, Global Wave Portfolio Track and DiCOM Loan Review software preferred, but not required.

Experience:

• A minimum of five (5) years of commercial credit experience and ten (10) years of combined commercial lending, commercial credit, special assets, and/or loan review experience required.

Compensation: Commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be rewarded benefits including: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on!

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus.

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 federal, state or local law.
The Company will make reasonable accommodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department.