Credit Risk Review Officer 3

1 month ago

Albany, United States Benefit Plans Administrative Services, Inc. Full time

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 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

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. Qualifications

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 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. The Company 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. 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 $72,000.00/Yr. Maximum

USD $124,686.00/Yr.

#J-18808-Ljbffr

  • Loan Review Officer

    2 months ago

    New Albany, United States WesBanco Bank Inc. Full time

    Job Title - Department Loan Review Officer - Loan Review Location This position is 100% remote within the Bank's footprint. Employee will work full time remote outside of a WesBanco location (may occasionally attend in person meetings, although primary functions of the role are performed remotely). Market Upper Ohio Valley Work Hours per Week 37.5...

  • Credit and Collections Specialist

    18 hours ago

    Albany, New York, United States Brook & Whittle Full time

    Job SummaryBrook & Whittle is seeking a highly skilled Credit and Collections Specialist to join our team. As a key member of our finance department, you will be responsible for compiling information related to customer credit status and coordinating the collection of delinquent accounts in a timely and accurate manner.Key ResponsibilitiesReview and analyze...

  • Senior Credit Analyst

    5 days ago

    Albany, New York, United States The Ladders Full time

    Position Overview: The role of a Senior Credit Analyst involves conducting thorough customer due diligence and evaluating the financial health of borrowers within various industries. This position requires the preparation of detailed financial analyses and underwriting documentation to assess the repayment capacity of both borrowers and guarantors. The...

  • Senior Credit Analyst

    5 days ago

    Albany, New York, United States The Ladders Full time

    Position Overview: The role of a Senior Credit Analyst involves conducting thorough customer due diligence and evaluating the financial health of borrowers, including their industry standing and company financials, with minimal oversight. This position requires the preparation of detailed financial analyses, including spreads and underwriting documents, to...

  • Senior Credit Analyst

    5 days ago

    Albany, New York, United States The Ladders Full time

    Position Overview: The role of a Senior Credit Analyst involves conducting thorough customer due diligence and evaluating the financial health of borrowers, including their industry standing and company financials, with minimal oversight. The analyst is responsible for preparing detailed financial spreads, comprehensive written analyses, and underwriting...

  • AVP of Fraud Risk Management

    2 months ago

    Albany, United States First New York Federal Credit Union Full time

    Job DescriptionJob DescriptionDescription:The AVP of Fraud Risk Management will take the lead in the development of fraud processes and controls to mitigate fraud risk. AVP of Fraud Risk Management will be accountable for monitoring and developing fraud risk strategies including but not limited to electronic fraud, credit and debit cards, fraud disputes,...

  • Lead Loan Officer

    5 days ago

    Albany, New York, United States Delaware National Bank of Delhi Full time

    Position: Senior Loan OfficerLocation: DelhiOverview:We are seeking a qualified Senior Loan Officer to join our team at the Delaware National Bank of Delhi. This role is pivotal in managing and enhancing our existing credit portfolios while supervising lending personnel.Key Responsibilities:1. Oversee the management of credit portfolios.2. Supervise and...

  • Auditors (3 POS)

    1 month ago

    Albany, United States IIT Full time

    If you are unable to click on links above to submit resume, you may email your resume to jobs@iit-inc.com Subject= IIT Career Site/Resume for JobID=16252 (Auditors (3 POS)) in Albany NY 12237 (ALL) Estimated Length: 24 monthsMonday - Friday 9am - 5pm Quantity: 2 Unit: Finance and Contract Management Unit Bureau : Administration Quantity: 1 Unit: Perinatal...

  • Senior Loan Officer

    2 weeks ago

    Albany, United States Delaware National Bank of Delhi Full time

    Senior Loan Officer Opening in Delhi for Senior Loan Officer Responsible for overseeing and expanding existing credit portfolios, managing lending staff, evaluating and determining the credit risks of commercial clients through detailed analysis, and preparing Allowance for Credit Losses. Potential to become VP, Chief Lending Officer. Salary: $105,000...

  • Senior Loan Officer

    3 weeks ago

    Albany, United States Delaware National Bank of Delhi Full time

    Senior Loan Officer Opening in Delhi for Senior Loan Officer Responsible for overseeing and expanding existing credit portfolios, managing lending staff, evaluating and determining the credit risks of commercial clients through detailed analysis, and preparing Allowance for Credit Losses. Potential to become VP, Chief Lending Officer. Salary: $105,000...

  • Senior Loan Officer

    2 weeks ago

    Albany, United States Delaware National Bank of Delhi Full time

    Senior Loan Officer Opening in Delhi for Senior Loan Officer Responsible for overseeing and expanding existing credit portfolios, managing lending staff, evaluating and determining the credit risks of commercial clients through detailed analysis, and preparing Allowance for Credit Losses. Potential to become VP, Chief Lending Officer. Salary: $105,000...

  • Lead Loan Officer

    6 days ago

    Albany, New York, United States Delaware National Bank of Delhi Full time

    Position Title: Senior Loan OfficerLocation: DelhiRole Overview:As a Senior Loan Officer, you will be responsible for the management and growth of our existing credit portfolios. Your expertise will be crucial in supervising lending personnel, assessing and determining the credit risks associated with commercial clients through comprehensive analysis, and...

  • Senior Loan Officer

    2 days ago

    Albany, United States Delaware National Bank of Delhi Full time

    Senior Loan Officer If you are considering sending an application, make sure to hit the apply button below after reading through the entire description. Opening in Delhi for Senior Loan Officer Responsible for overseeing and expanding existing credit portfolios, managing lending staff, evaluating and determining the credit risks of commercial clients through...

  • Commercial Portfolio Administrator

    1 month ago

    Albany, United States M&T Bank Full time

    Commercial Portfolio Administrator Hybrid role that can be based in Albany, Syracuse/Utica or Hudson Valley, NY. Overview : Responsible for the credit portfolio administration of Commercial credit and lending products, and resolution of operational issues in the post close/loan servicing function. Provide support to Portfolio Management in monitoring complex...

  • Experienced Loan Officer

    6 days ago

    Albany, New York, United States Delaware National Bank of Delhi Full time

    Position Overview:The Senior Loan Officer is tasked with the critical responsibility of managing and enhancing current credit portfolios. This role involves supervising lending personnel, assessing and determining the credit risks associated with commercial clients through comprehensive analysis, and preparing the Allowance for Credit Losses.Career...

  • Information Technology Specialist 3,

    3 months ago

    Albany, United States New York State Full time

    Minimum Qualifications Do you want a career with a purpose that provides work/life balance? Apply today to join the Office of the New York State Comptroller. No exam required under the New York Hiring for Emergency Limited Placement Statewide (NY HELPS) Program: Non-Competitive Qualifications for appointment under the NYHELPS Program: Non-Competitive...

  • Lead Counterparty Risk Analyst

    2 months ago

    New Albany, United States Discover Financial Services, Inc. Full time

    In-Office: Riverwoods, Illinois; New Albany, Ohio With us, you’ll do meaningful work from Day 1. Our collaborative culture is built on three core behaviors: We Play to Win, We Get Better Every Day & We Succeed Together. And we mean it — we want you to grow and make a difference at one of the world's leading digital banking and payments companies.We value...

  • Sr. Mortgage Loan Officer

    2 weeks ago

    New Albany, United States Heritage Federal Credit Union Full time

    Want to start your career with Heritage Federal Credit Union! If so, we have an opportunity waiting for you! Join our team at Heritage Federal Credit Union as an Sr. Mortgage Loan Officer and experience a dynamic and fulfilling career. It is a fun, caring environment, where what you do matters. The Sr. Mortgage Loan Officer contributes to making the home...

  • Credit and Collections Representative

    2 months ago

    Albany, United States W.B. Mason Full time

    An interesting and challenging opportunity awaits you. W. B. Mason is a company rich with history and for over 100 years has been driven to satisfy the customer. We are the largest independent distributor of office products in the United States, empl Collections Representative, Collections, Representative, Credit, Customer Service, Microsoft, Retail

  • Manager, Credit

    2 weeks ago

    Albany, New York, United States Ascena Retail Group Full time

    About usKnitWell Group, a specialty retail operating company, comprises some of the most iconic brands in America – Ann Taylor, LOFT, Lane Bryant, and Talbots. Individually, our brands are unique and strong. Together, we are powerful.Our common thread is our commitment to create exceptional products, provide memorable experiences, and achieve superior...