Credit Underwriter 1 (or 2 with required experience) - Cicero

Hours/Week: 40 hours Location: US:NY:Cicero
A Credit Underwriter is responsible for spreading financial statements in compliance with Bank standards. It is the responsibility of a credit underwriter to prepare Credit Offering Memorandums on non-to-mid-complex borrowers in concert with Commercial Lenders for consideration of commercial loan approval. Other responsibilities include compiling of borrower's total banking relationship, managing personal workload to ensure completion of work within prescribed timeline, and performing other administrative duties to support the Credit Administration function.
Prepare financial spreadsheets on existing or potential borrowers using accountant-prepared for company-prepared financial statements and tax returns
Gather all additional credit information, environmental reports, etc. as required by the structure of the credit request
Prepare Credit Offering Memorandums on non-to mid-complex borrower's, which includes a description of the credit request and all associated structural components, detail of the borrower's banking relationship (loans, deposits, cash management, RDC, etc.), corporate and personal financial statement and cash flow analysis, detailed collateral evaluation, and identification of loan policy exceptions and regulatory structural weaknesses
May suggest a risk rating for the relationship to the Commercial Lender after conducting a thorough credit analysis and documentation review
Coordinate the completion of credit assignments with Commercial Lenders and Credit Supervisors/ Managers to ensure customer needs are being addressed in a timely manner
Maintain appropriate records and provide assigned reports
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.
Other information:
As an integral member of the Credit Administration Department, this position is also responsible to provide assistance wherever necessary to help the Credit Administration Department and the Bank in achieving their annual goals.
Bachelors Degree in a related Business field with a minimum of 6 hours of accounting required.
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, sit, user hands to finger, 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.
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.

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