Credit Risk Review Officer 3 - Rochester, United States - Community Bank NA

Community Bank NA Rochester, United States

3 weeks ago

Description

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 200 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, 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

Responsible for performing a variety of duties relating to the credit risk 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 credit risk 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 credit risk 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.

Qualifications

Education/Training:

BS or BA degree in a business related field of study (e.g., Finance, Management, Economics, Accounting) required.

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 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. Experience using Jack Henry/Silverlake, Global Wave Portfolio Track and DiCOM Loan Review software preferred, but not required.

Experience:

A minimum of five (5) years of commercial credit experience and ten (10) years of combined commercial lending, commercial credit, special assets, and/or loan review experience required.

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.

Community Bank System, Inc. is an Affirmative 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.

Community Bank System, Inc. 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 $72,000.00/Yr.
Maximum

USD $124,686.00/Yr.

Ems Train Officer

2 weeks ago

Parkview Health Rochester, United States

**Summary** · The EMS Training Officer is responsible for the education resource for operations of clinical and pre-hospital co · - worker education systems at Parkview Health. Performs as key member of patient care report audit and review and the Peer Review process. Is a key me ...
Deputy Auditor

3 weeks ago

Fulton County Government Rochester, United States

**Full-Time Deputy Auditor's Position Opening** · Monday-Friday, 8:00 a.m. - 4:00 p.m., 36 hours/week, $18.81/hour · - **DUTIES INCLUDE**:_ · - Answers telephone and greets and assists office visitors, taking messages and/or directing callers to appropriate department or individu ...
Purchasing Agent

1 week ago

Ramco Supply Rochester, United States

Ramco is a company that strives to operate on Christian Values. We have served customers for over 23 years and are dedicated to a high standard of integrity in all that we do. · At Ramco you would be part of a close-knit conservative team, working for a technologically advanced m ...
Patient Services Rep Full Time

2 weeks ago

Wentworth-Douglas Hospital Rochester, United States Full time

Wentworth-Douglass Hospital, an affiliate of Mass General Brigham, is committed to supporting patient care, research, teaching, and service to the community. We place great value on being a diverse, equitable and inclusive organization as we aim to reflect the diversity of the pa ...
Patient Services Rep

2 weeks ago

Wentworth-Douglass Hospital Rochester, United States

Patient Services Rep · **Description**: · Wentworth-Douglass Hospital, an affiliate of Mass General Brigham, is committed to supporting patient care, research, teaching, and service to the community. We place great value on being a diverse, equitable and inclusive organization a ...
Fraud Investigative Analyst Supervisor

1 week ago

Service Credit Union Rochester, United States

Service Credit Union is seeking a **Fraud Investigative Analyst Supervisor **where you will be responsible for overseeing and performing day to day task management, workload delegation, training, and onboarding of the Fraud Investigative Analyst (FIA) team in the Fraud Department ...
Quality Manager

2 weeks ago

Albany International Corp. Rochester, United States

**Position Summary**: · *** · This is the top quality role in each functioning facility. Incumbent is accountable for decisions within the facility relative to operational compliance with all regulatory requirements and quality system procedures, appropriate use of CAPA and quali ...
Designer

1 week ago

Wegmans Food Markets Rochester, United States Full time

Schedule: Full time · Availability: Morning, Afternoon. · Age Requirement: Must be 18 years or older · Location: Rochester, NY · Address: 1500 Brooks Ave · Pay: $58,460 - $68,400 / year · Job Posting: 05/20/2024 · Job Posting End: 06/19/2024 · Job ID:R0210737 · This position uti ...
Quality & Manufacturing Technician

2 weeks ago

Jaeger USA, Inc. Rochester, United States

Safety, health, and wellbeing of our employees · - Customer Advocacy - Customer First · - Trust · - Integrity - Reliability · - Creativity - Innovation · - Accountability · - Ready for Change - Ready to Change · - Performance Driven · **Job Summary**:The Quality/HSE/Manufacturing ...
Sales Representative

2 weeks ago

SYSCO Rochester, United States Full time

Company: · US0027 Sysco Syracuse, LLCZip Code: · 13164Minimum Years of Experience: · 0-1 YearsEmployment Type: · Full TimeTravel Percentage: · Up to 25%Compensation Range: · $53, $75,300.00The compensation range provided is in compliance with state specific laws. Factors that m ...
Electrical Engineering Engineer

3 weeks ago

Quantum Innovations Monroe City, United States

Are you ready to take the next step in your career? Welcome to Rail Power Systems, one of the leading technology companies in the field of railway infrastructure and energy supply. From trams in local transport to high-speed trains in long-distance travel - we ensure that overhea ...
Tax Supervisor/Manager

3 weeks ago

Insero & Co. CPAs, LLP Rochester, United States

Tax Supervisor/Manager (Middle Market - Large Company Client Focus) · We are looking for dynamic Tax professionals to join our growing team. We offer tremendous growth and development opportunities to assist with both your personal and professional goals. Are you ready for a new ...
Deputy Auditor

1 week ago

Fulton County Government Rochester, United States

**Full-Time Deputy Auditor's Position Opening** · Monday-Friday, 8:00 a.m. - 4:00 p.m., 36 hours/week, $19.81/hour · - **DUTIES INCLUDE**:_ · - Answers telephone and greets and assists office visitors, taking messages and/or directing callers to appropriate department or individu ...
Credit Analyst

1 week ago

Profile Bank Rochester, United States

**Summary**: Reporting to the Executive Vice President of Commercial Lending, analyze current and historical credit data and financial statements of individuals and businesses to determine the degree of risk involved in extending credit. Prepares Commercial Credit Approval Forms ...
Tax Manager

2 weeks ago

Insero & Co. CPAs, LLP Rochester, United States

Tax Manager – Hybrid role · *Seeking candidates who have tax management experience preparing and reviewing complex individual and small business tax returns. We offer tremendous growth and development opportunities to assist with both your personal and professional goals. Are you ...
Accounting Supervisor/Controller

3 weeks ago

Insero & Co. CPAs, LLP Rochester, United States

Accounting Supervisor/Controller (Outsource Accounting Services team) · Whether you are working in a CPA firm or in industry - if you have an interest in utilizing your experience to work on more exciting projects along with a mix of clients, then our Outsource Accounting Service ...
RN - Telemetry

3 weeks ago

Supplemental Health Care Rochester, NY, United States

Job Description: · Supplemental Health Care is seeking Telemetry RNs in Rochester, New York for a 13-week assignment at a partnering hospital. With our extensive local office network across the United States and our national support structures, you can trust that Supplemental Hea ...
Pre-Con Manager

1 week ago

Per Se Group Rochester, United States

Summary · Per Sé Group is working with a leading Mid-Atlantic Mechanical contractor looking to hire a Preconstruction Manager in their Baltimore office. This role will focus on estimating, buy-out, procurement, and detailed submittal documentation for large commercial and industr ...
Travel Nurse RN

1 week ago

Supplemental Health Care Rochester, NY, United States

Supplemental Health Care is seeking a travel nurse RN Telemetry for a travel nursing job in Rochester, New York. · Job Description & Requirements · Specialty: Telemetry · Discipline: RN · Start Date: ASAP · Duration: 13 weeks · Employment Type: Travel · Job Description: · Supplem ...
Legal Secretary

3 weeks ago

InGenesis Rochester, United States

InGenesis is currently seeking Legal Secretaries to work with our client in Rochester, NY. In this role, you will be working in the Justice Center for the Protection of People with Special Needs. · Apply today and we'll reach out to answer any questions you may have · Job Duties ...