Senior Credit Risk Review Officer

Coca-Cola Beverages Northeast; Lyndon (NY); On-site; USD 80,000 - 140,000; Full time

Benefits offered by this job

11 paid holidays

Paid vacation

Medical insurance

Vision & Dental insurance

401K with generous match

Pension

Tuition Reimbursement

Banking discounts

Job summary

Community Financial System, Inc. (CFSI) is seeking a senior Loan Review professional to perform complex reviews within the Loan Review Department. You will identify risk, quantify impact on portfolios, and coordinate workflow and reporting.

You will mentor Loan Reviewers, work on regional sampling, and lead the implementation of DiCOM/Abrigo to increase efficiency. A strong background in commercial lending and risk management is essential.

Qualifications

• Minimum of seven (7) years advanced banking/commercial credit experience with knowledge of loan structuring, underwriting, portfolio management, regulatory requirements and industry best practices.
• Experience with supervisory roles or management is preferred.
• Knowledge of lending and loan products, and current lending regulations.
• Strong financial statement analysis and credit assessment abilities.
• Familiarity with loan review processes and risk-rating methodologies.
• Ability to communicate issues and conclusions to lenders, management, and regulators.

Responsibilities

• Identify and communicate global areas of concern observed or discovered during the review process.
• Assist with assigning portfolio work flow and tracking progress weekly.
• Conduct credit reviews of large, complex relationships and discuss issues with lenders, management, and regulators.
• Mentor Loan Reviewers to ensure consistent and accurate work.
• Assist with regional review sampling and preparing board reports to understand risk.
• Lead the use of DiCOM/Abrigo software to improve loan data efficiency.
• Participate in acquisition due diligence as needed, possibly requiring overnight travel.
• Maintain knowledge of applicable laws and internal controls and complete training on time.

Skills

Financial statement analysis

Credit assessment

Communication skills

Analytical thinking

MS Word & Excel

Supervisory skills

Regulatory knowledge

Portfolio management

Education

BS or BA in related field

Tools

DiCOM/Abrigo

Microsoft Word

Excel

Job description

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 Affiritive 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.

Minimum

USD $80,000.00/Yr.

Maximum

USD $139,633.00/Yr.