Credit Risk Review Officer

Overview

At Community Bank System, Inc. (CBSI), 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 230 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 CBSI, we offer competitive compensation, good 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…