OverviewAt 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.

　　ResponsibilitiesResponsible for performing complex commercial credit reviews 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; and maintaining appropriate records.

　　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.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. 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.With supervisory assistance, be capable of working to meet established production requirements and review schedule deadlines. Inform Team Leader and/or Director of criticsms and regrades prior to issuing final draft.Work toward being 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 diligency team when required. Travel may be required.Satisfactorily complete Bank's annual training in a timely manner. As an integral member of the Loan Review Department, this position is also responsible to provide assistance wherever necessary to help the Department and the Bank in achieving their annual goals. Assist with aquisiiton due diligence actvities when opportunities arise which may involve travel.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.

　　QualificationsBS or BA degree in related field normally required.Commercial lending, commercial underwriting, special assets, and/or loan review experience preferred but not required. Proficient reading, writing, grammar, and mathematics skills.Proficient interpersonal relations and communication skills.A working knowledge of current bank lending principles, policies, and practices.General knowledge of lending and loan products.Proficient financial statement analysis skills.Proficiency in computer programs such as Microsoft Word and Excel.A minimum of three (3) years of commercial credit experience.

　　Other Job InformationCompensation: 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.

　　An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

　　MinimumUSD $55,341.00/Yr.

　　MaximumUSD $80,000.00/Yr.Community Bank System, Inc. is an Affirmative Action, Equal Opportunity Employer who fully embraces diversity - minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity.

　　Minimum Salary: 31200.00Maximum Salary: 31200.00Salary Unit: Yearly