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.

This role can be based out of one of several of our office locations including Albany, NY, Dewitt, NY, Victor, NY, Williston, VT, Wilkes Barre, PA and Olyphant, PA.

The Commercial Credit Underwriting Department is responsible to provide an independent credit quality assessment of the Bank's commercial clients. These assessments range from initial analyses of new relationships to the Bank to material modifications or restructuring long-term relationships. The Department also is responsible for ensuring the accurate completion of the Bank's risk scorecards and financial statement spreads. The work completed in this capacity is used to make new credit decisions.

The position oversees the Senior Commercial Credit Underwriters and reports to the Senior Credit Manager.

Essential Duties

• Underwrite New Money and complex credits from 7mm+ (mainly 10 mm and over)
• Meet with clients and prospects (along with lender). Actively engage in credit discussions, assist with loan structure, assist with loan committee discussions and presentation of credit. Assist with memo prep and presentation
• Assist lenders with Annual Review/Renewal submissions under $10mm, to include interim approvals, modifications and extensions
• Work with central credit departments on testing and BBC monitoring on large credits.
• Assist lenders with CAR on large non-pass credits
• Review the work of the team
• Manage remote employees
• Participate in Group Manager meetings, client calls, and loan committee presentations

Education/Training

Bachelor's Degree in Business field of study (finance, economics, accounting, management); advanced credit analysis and loan structuring training required, MBA and/or CPA preferred

All applicants must be 18 years of age or older

Skills

• Ability to work independently and with accuracy
• Strong verbal and written communication skills
• Highly proficient financial analysis skills, including financial modeling and understanding of financial data for commercial loan transactions

Experience

• Formal Credit training and 5+years' experience in commercial credit, public accounting, financial statement preparation/analysis or toher financial analysis
• Proven organizational skills; able to work independently with limited supervision and be detail-oriented
• Proven analytical ability
• Proven ability to manager and lead teams

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.