Business Banking Underwriter

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.

Independently review and analyze Business Banking Loan requests to determine credit worthiness of the applicant with increasing levels of responsibility and lending authority. Make sound loan underwriting decisions within the Bank’s loan policies and procedures to minimize potential risk potential to Bank.

• Analyze business loan applications by evaluation of collateral, financial statements, projections, global cash flow, business plans, leases, rent rolls, business and personal credit reports, guarantor statements and additional information provided by the customer to determine credit worthiness.
• Determine appropriate loan structure, pricing and risk rating.
• Decision and condition loan applications based on acceptable risk tolerance in a timely manner within CBNA loan policies and procedures and within authorized lending limits.
• Concisely summarize findings in comments rationalizing loan decision.
• Make sound loan recommendations to BB Underwriting Manager or Senior Underwriter on loan requests above authorized lending limit.
• Ensure commercial mortgages meet all conditioned criteria and work to resolve any issues arising from due dilegence.
• Work independently and efficiently to manage multiple customer loan reqests.
• Serve as a resource to assist and mentor branch lenders.
• Provide quality and effective customer service.
• Identify the necessity and facilitate the underwriting of SBA guaranteed loans.
• Cooperate with other members of the Business Banking Department to achieve departmental goals.
  

• B.S. or B.A. degree in a related field of study (Finance, Management, Economics, Accounting) or equivalent in experience, with accounting credits or experience preferred.
• Experience as a Credit Analyst or Lender with proven track record. Commercial lending experience preferred. Ideal candidate would have desire to work toward higher levels of responsibility and lending authority.
• NextGen experience a plus.
• A thorough knowledge of current lending and banking regulations, loan policies, and procedures.
• Proficient knowledge of Microsoft Word, Excel and all other departmental computer programs.
• Proficient reading, writing, grammar, and mathematics skills.
• Proficient interpersonal and communication skills (both verbal and written).

Various location within the bank footprint will be considered.

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.

Salary : $58,500 - $88,000