Senior Credit Risk Review Officer

Community Financial System, Inc.•Rochester Hills, New York

About The Position

The Senior Credit Risk Review Officer performs complex, independent reviews and helps ensure the efficiency and daily operation of the Loan Review Department. The role reviews large, complex credit relationships, identifies and communicates portfolio-wide concerns, and discusses review issues, criticisms, and conclusions with lenders, management, and regulators. It also supports portfolio workflow and progress tracking, mentors Loan Reviewers, and assists the Director with regional review sampling, Board of Directors reporting, operational projects, and report-data verification. The Officer leads the department’s establishment and ongoing use of DiCOM/Abrigo software to improve efficiency and automate loan data in the Loan Review template. The position may participate in acquisition due diligence, which can involve overnight travel. The employee must maintain knowledge of applicable laws and regulations, follow policies, procedures, and internal controls, and complete required training in a timely manner.

Requirements

BS or BA degree in a related field, or experience and training in commercial lending, commercial underwriting, special assets, and/or loan review.
Must be at least 18 years of age.
Proficient reading, writing, grammar, and mathematics skills.
Proficient interpersonal relations and communication skills.
Thorough knowledge of current bank lending principles, policies, and practices.
Knowledge of all types of lending and loan products.
Proficient financial statement analysis and complex credit assessment skills.
Knowledge of current lending and collection laws and regulations.
Proficiency with personal computer programs such as Microsoft Word and Excel.
Demonstrated supervisory and organizational skills.
At least seven years of advanced banking/commercial credit experience, including knowledge of loan structuring, underwriting, portfolio management, regulatory requirements, and industry best practices.

Nice To Haves

Prior managerial background.

Responsibilities

Perform complex, independent reviews and assist with the efficiency and daily function of the Loan Review Department.
Identify and communicate global areas of concern found during reviews, coordinate with staff, and quantify their impact on the portfolio.
Assist with assigning portfolio workflow and tracking progress weekly.
Conduct credit reviews of large, complex relationships and discuss issues, criticisms, and conclusions with lenders, management, and regulators.
Mentor Loan Reviewers to promote consistent, accurate work and use of the Bank’s risk-rating methodology.
Assist the Director in sampling regional reviews and preparing Board of Directors reports about risk in individual portfolios and the commercial portfolio overall.
Assist the Director with operational projects, information gathering, and verification of report data requested by internal and external parties.
Lead the department’s establishment and ongoing use of DiCOM/Abrigo software to improve efficiency and automate loan data in the Loan Review template.
Participate in the Bank’s acquisition due diligence team when required, potentially involving overnight travel.
Maintain knowledge of and comply with applicable laws and regulations, policies, procedures, and internal controls, and complete training requirements in a timely manner.