Commercial Credit Department Manager

Commercial Credit Department Manager

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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.

We are committed to our employees, offering 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.

• Manage and coordinate the workflow and administrative functions of the regional Credit Department, working with Credit Underwriters and Commercial Lenders to ensure timely turnaround and appropriate underwriting of credit requests.
• Coordinate and administer training of Credit Underwriters in all aspects of credit, collateral and cash flow analysis, including commercial loan documentation review, regulatory issues and loan policies/procedures.
• Oversee all aspects of 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.
• Ensure that all required loan request information is in hand to assign work to underwriters and begin the underwriting process.
• Address any loan package informational deficiencies and/or loan request structural issues.
• Assess the ongoing status of active and inactive credit requests, schedule completion dates for active credits and prioritize individual underwriter workloads to meet lender/customer requirements.
• Review credit underwriting memorandums for completeness, accuracy and appropriateness of loan structure, lending conditions, assigned risk rating, etc. Discuss and resolve underwriting deficiencies or issues with Commercial Lender prior to submission of credit underwriting memorandum to appropriate lender or Loan Committee for approval.
• Complete and distribute Loan Committee Minutes.
• Coordinate the administrator’s training of Credit Underwriters via ongoing evaluation of each underwriter’s credit skills and providing formalized or on‑the‑job training assignments to enhance and build upon their skill set.
• Oversee the team’s management of the annual review process for all divisions.
• Maintain Covenant ticklers (not global wave input, but tracking of Compliance).
• Provide Portfolio Management functions to the line of business.
• Prepare spreads and cash flow calculations as needed.
• Prepare loan modifications, extensions and interim approvals.
• Support new money requests as needed.

• Review resumes, select qualified candidates, conduct initial interviews and recommend candidates for hiring.
• Prepare annual MBOs and performance assessments for review by the Regional Credit Manager.
• Conduct semi‑annual and annual reviews with each underwriter.
• Evaluate the ongoing performance of each underwriter and offer recommendations for salary progressions and promotions.
• Initial and follow through on disciplinary actions as prescribed by HR policy in conjunction with Regional Credit Manager.

Education/Training:
Bachelors Degree in Business field of study (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 and mathematics skills along with proficient interpersonal and communication skills (both verbal and written); diversified knowledge of credit analysis techniques; loan structuring and loan documentation requirements; thorough knowledge of bank lending policies and procedures; sound management skills and the…