Community Financial System, Inc. · 1 month ago
Credit Risk Review Officer 3
Albany, NY
Full-time
Onsite
Senior Level, Lead/Staff
$72K/yr - $125K/yr
10+ years expCommunity Bank System, Inc. (CBSI) is dedicated to providing high-quality financial services and products. The Credit Risk Review Officer 3 will perform loan review functions to manage credit risk, conduct credit reviews, and ensure compliance with banking policies and regulations.
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Responsibilities
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
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
Qualification
Required
BS or BA degree in a business related field of study (e.g., Finance, Management, Economics, Accounting)
All applicants must be 18 years of age or older
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
A minimum of five (5) years of commercial credit experience
Ten (10) years of combined commercial lending, commercial credit, special assets, and/or loan review experience
Preferred
Experience using Jack Henry/Silverlake, Global Wave Portfolio Track and DiCOM Loan Review software
Benefits
11 paid holidays
Paid vacation
Medical, Vision & Dental insurance
401K with generous match
Pension
Tuition Reimbursement
Banking discounts
Company
Community Financial System, Inc.
Community Financial System, Inc.
1001-5000 employees
Funding
Current Stage
Public CompanyTotal Funding
unknown2014-03-07IPO
Leadership Team
Dimitar Karaivanov
President & CEO
Recent News
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