Senior Commercial Credit Underwriter I
Bank of Greene County, Catskill, New York, United States
Senior Commercial Credit Underwriter I
Department: Commercial Lending
Location: 288 Main Street Catskill, NY 12414
Reports To: Senior Commercial Credit Officer
Supervises: None
Grade: 14
Pay Range: $62,000 - $79,000 commensurate with education and experience
FLSA: Exempt
Position Summary The Senior Commercial Credit Underwriter I provides commercial credit analysis and underwriting, thereby facilitating the initiation and servicing of commercial credit relationships. Reviews the commercial loan portfolio to ensure sufficient, current and accurate credit records are created and maintained within the credit files, loan processing system, and the financial tracking and reporting software. Underwrites new money loans, renewals and annual reviews within assigned threshold.
Requirements
Bachelors Degree in Business/Finance or related field, or equivalent work experience
Three years or more of experience and knowledge of credit analysis
Proficiency in Microsoft Office software
Detail oriented, with strong communication and analytical skills
Major Duties & Responsibilities
Underwrite and analyze Commercial & Industrial (C&I) and Commercial Real Estate (CRE) complex loan transactions ranging between $1.0 million to $20.0 million
Complete relationship reviews and line renewals within threshold level
Ensure complete credit files are maintained and updated in accordance with Bank policies and procedures for relationships constituting the commercial credit portfolio
Prepare credit related reports as needed
Complete projects assigned relating to the management of the commercial loan portfolio
Enter data into Bank’s financial analysis and monitoring software system (Sageworks/Abrigo)
Provide assistance as requested during audits and exams
Train and mentor junior staff in the credit underwriting process
Order and review third party reports, such as credit reports, appraisals and environmental reports
Safeguard Bank assets (monitor and mitigate the Bank’s risk of loss)
Comply with all applicable laws, rules, regulations, policies, procedures, and guidelines
Contribute to a professional, business-like atmosphere within the credit department
Other duties as assigned
Physical Demands 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. While performing the duties of this job, the employee is regularlyrequired to talk or hear. The employee frequently is required to stand, walk, use hands to finger, handle or feel, and reach with hands and arms. Reasonable accommodations may be made to enable individuals with disabilities.
Compliance Statements before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments. Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer. All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer. The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank’s Compliance Program as it pertains to his or her job functions. Employees are expected to meet all compliance requirements as stated within the Bank’s BSA/AML/CIP/OFAC Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination. Employee’s compliance violations may result in termination, individual fines, and possible imprisonment.
EQUAL OPPORTUNITY EMPLOYER Bank of Greene County is an equal opportunity employer. We provide equal employment opportunity in all employment-related matters, including hiring, training, promotion, compensation, benefits, transfers and other personnel actions, without regard to race (including traits historically associated with race), color, national origin, age, religion, sex, sexual orientation, gender identity or expression, the status of being transgender, disability, genetic information, predisposition and carrier status, military or veteran status, marital and familial status, the status of being a victim of domestic violence, employee’s or a dependent’s reproductive health decision making (including, but not limited to, a decision to use or access a particular drug, device or medical service), known relationship or association with any member of a protected class, and any other characteristic protected by applicable law.
BANK SECRECY ACT (BSA) Before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments. Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer. All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer. The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank’s Compliance Program as it pertains to his or her job functions. Employees are expected to meet all compliance requirements as stated within the Bank’s BSA/AML/CIP/OFAC Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination. Employee’s compliance violations may result in termination, individual fines, and possible imprisonment.
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Location: 288 Main Street Catskill, NY 12414
Reports To: Senior Commercial Credit Officer
Supervises: None
Grade: 14
Pay Range: $62,000 - $79,000 commensurate with education and experience
FLSA: Exempt
Position Summary The Senior Commercial Credit Underwriter I provides commercial credit analysis and underwriting, thereby facilitating the initiation and servicing of commercial credit relationships. Reviews the commercial loan portfolio to ensure sufficient, current and accurate credit records are created and maintained within the credit files, loan processing system, and the financial tracking and reporting software. Underwrites new money loans, renewals and annual reviews within assigned threshold.
Requirements
Bachelors Degree in Business/Finance or related field, or equivalent work experience
Three years or more of experience and knowledge of credit analysis
Proficiency in Microsoft Office software
Detail oriented, with strong communication and analytical skills
Major Duties & Responsibilities
Underwrite and analyze Commercial & Industrial (C&I) and Commercial Real Estate (CRE) complex loan transactions ranging between $1.0 million to $20.0 million
Complete relationship reviews and line renewals within threshold level
Ensure complete credit files are maintained and updated in accordance with Bank policies and procedures for relationships constituting the commercial credit portfolio
Prepare credit related reports as needed
Complete projects assigned relating to the management of the commercial loan portfolio
Enter data into Bank’s financial analysis and monitoring software system (Sageworks/Abrigo)
Provide assistance as requested during audits and exams
Train and mentor junior staff in the credit underwriting process
Order and review third party reports, such as credit reports, appraisals and environmental reports
Safeguard Bank assets (monitor and mitigate the Bank’s risk of loss)
Comply with all applicable laws, rules, regulations, policies, procedures, and guidelines
Contribute to a professional, business-like atmosphere within the credit department
Other duties as assigned
Physical Demands 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. While performing the duties of this job, the employee is regularlyrequired to talk or hear. The employee frequently is required to stand, walk, use hands to finger, handle or feel, and reach with hands and arms. Reasonable accommodations may be made to enable individuals with disabilities.
Compliance Statements before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments. Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer. All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer. The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank’s Compliance Program as it pertains to his or her job functions. Employees are expected to meet all compliance requirements as stated within the Bank’s BSA/AML/CIP/OFAC Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination. Employee’s compliance violations may result in termination, individual fines, and possible imprisonment.
EQUAL OPPORTUNITY EMPLOYER Bank of Greene County is an equal opportunity employer. We provide equal employment opportunity in all employment-related matters, including hiring, training, promotion, compensation, benefits, transfers and other personnel actions, without regard to race (including traits historically associated with race), color, national origin, age, religion, sex, sexual orientation, gender identity or expression, the status of being transgender, disability, genetic information, predisposition and carrier status, military or veteran status, marital and familial status, the status of being a victim of domestic violence, employee’s or a dependent’s reproductive health decision making (including, but not limited to, a decision to use or access a particular drug, device or medical service), known relationship or association with any member of a protected class, and any other characteristic protected by applicable law.
BANK SECRECY ACT (BSA) Before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments. Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer. All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer. The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank’s Compliance Program as it pertains to his or her job functions. Employees are expected to meet all compliance requirements as stated within the Bank’s BSA/AML/CIP/OFAC Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination. Employee’s compliance violations may result in termination, individual fines, and possible imprisonment.
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