Senior Credit Risk Review Officer

Community Bank, N.A.; Lyndon (NY); Sur place; USD 80 000 - 140 000; Plein temps

Avantages offerts par ce poste

11 paid holidays

Medical, Vision & Dental insurance

401K with generous match

Pension

Tuition Reimbursement

Banking discounts

Résumé du poste

Community Bank, N.A. is seeking an experienced Loan Review professional in New York for the Loan Review Department. The role focuses on complex credit reviews, risk assessment, and regulatory compliance to safeguard the loan portfolio.

You will mentor staff, coordinate workflow, and assist with due diligence, using DiCOM/Abrigo tools to enhance efficiency and accuracy. A strong background in commercial lending is required.

Qualifications

• BS or BA degree in related field, commercial lending, underwriting, special assets, and/or loan review training.
• 7+ years advanced banking/commercial credit experience expected.
• Experience with loan structuring, portfolio management and regulatory requirements.

Responsabilités

• Perform complex independent reviews for Loan Review Department.
• Identify and communicate global concerns and quantify impact on portfolio.
• Assist with portfolio workflow assignment and progress tracking.
• Conduct credit reviews of large, complex relationships and discuss issues with lenders and regulators.
• Mentor Loan Reviewers to ensure consistent work and apply risk-rating methodology.
• Assist with regional sampling, prepare BOD reports on portfolio risk.
• Lead use of DiCOM/Abrigo software to improve efficiency in loan data workflow.
• Participate in acquisition due diligence when required, including travel.
• Maintain compliance with all applicable laws, policies, and training requirements.

Connaissances

Reading & writing

Interpersonal skills

Lending principles

Lending products knowledge

Financial statement analysis

Lending regulations knowledge

MS Word & Excel

Supervisory/organizational skills

Formation

BS/BA in related field

Outils

Microsoft Word

Microsoft Excel

Description du poste

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

Perform complex, independent reviews while assisting in the efficiency and daily function of the Loan Review Department.

• Identify and communicate global areas of concern observed or discovered during the review process. Coordinate with staff and quantify its impact as it relates to the portfolio being reviewed.
• Assist with assigning portfolio work flow and tracking progress weekly.
• Conduct credit reviews of large, complex relationships and be comfortable discussing issues, criticisms and conclusions with lenders, management, and regulators.
• Mentor Loan Reviewers to ensure consistent and accurate work emanating from the department and the Bank's risk-ratingmethodology.
• Assist Director in sampling regional reviews and preparing BOD reports to better understand risk inherent within each portfolio and the commercial portfolio in aggregate
• Assist Director with operational projects, information gathering, and verifying the accuracy of report data requested by internal and external parties.
• Lead the Department's establishment and ongoing use of the DiCOM/Abrigo software to assist with increased efficiency and automation of loan data within the Loan Review template.
• Participate in the Bank's acquisition due diligence team when required which may involve overnight travel.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner.

Qualifications

Education/Training

• BS or BA degree in related field, commercial lending, commercial underwriting, special assets, and/or loan review experience and training.
• All applicants must be 18 years of age or older.

Skills

• Proficient reading, writing, grammar, and mathematics skills
• Proficient interpersonal relations and communication skills
• Thorough knowledge of current bank lending principles, policies, and practices
• Knowledge of all types of lending and loan products
• Proficient financial statement analysis and complex credit assessment
• Knowledge of current lending and collection laws and regulations
• Proficiency in Personal Computer programs such as Microsoft Word and Excel
• Demonstrated supervisory and organizational skills

Experience

• Minimum of seven (7) years advanced banking/commercial credit experience with knowledge of loan structuring, underwriting, portfolio management, regulatory requirements and industry best practices.
• Prior managerial background is preferred.

Other Job Information

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 Aff ... 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.

Minimum

USD $80,000.00/Yr.

Maximum

USD $139,633.00/Yr.