Credit Risk Review Officer 3
3 weeks ago
We are seeking a highly skilled Credit Risk Review Officer 3 to join our team at Community Bank System, Inc. This role is responsible for performing 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.
Key Responsibilities- 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.
- 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.
- BS or BA degree in a business related field of study (e.g., Finance, Management, Economics, Accounting) required.
- 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.
- 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.
- Competitive salary commensurate with experience plus potential for annual merit increase.
- 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on.
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