Business Banking Portfolio Manager
Posted on Sep 20, 2024 by Community Financial System, Inc.
Syracuse, NY
Other
Immediate Start
Annual Salary
Full-Time
Overview:
At 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 230 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, good 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.
Responsibilities:
Assist in the service and management of Business Banking Loan clients having total potential exposure of up to $2,000,000. Monitoring the existing Business Banking portfolio in identifying early warning risk factors that can indicate potential problems with a loan / borrower and / or within a specific industry. Collaborating with Retail or Business Bankers to determine a course of action if deemed appropriate. Underwrite and decision / approve existing loan facilities that trigger an action for renewal or review while remaining within the Bank’s loan policies and procedures to minimize potential risk exposure to the Bank.
Essential Responsibilities:
Responsible to identify and document early warning signs of potential loan deterioration while working within Baker Hill’s NextGen Portfolio Management System
Determine course of action while working in conjunction with Retail or Business Bankers to alleviate or minimize risk or losses.
Independently underwrite and decision / approve, within your lending authority, renewal requests on secured and unsecured lines of credit, ballooning commercial mortgages and other credit structures to provide expeditious service to the client and minimize potential risk exposure to the Bank. This is to be completed in a timely manner utilizing CBNA loan policies and procedures.
Notify Retail and Business Bankers of upcoming maturity and or expiration of facilities, if deemed appropriate and no opportunity has been initiated in NG. Follow up to ensure appropriate action is taken.
Make adjustments as necessary to risk rating on loans identified by the PRM platform and reviewed by Portfolio Underwriters in complaince with the CBNA policy guidelines.
Serve as a resource to assist and mentor Retail Managers.
Build and maintain positive communiction and professional relationships with Business and Retail Bankers and all other CBNA personnel.
Within the parameters set in PRM, if a determination is made that material risk factors are being triggered on any type of loan, the Portfolio Underwriter will engage the Retail or Business Banker to determine if intervention is necessary.
Assist in the initial development and continued enhancement of the Baker Hill NextGen Portfolio Monitoring system to achieve departmental goals.
Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner
Ancillary Duties:
As an integral member of the Business Banking Department, this position is also responsible to provide assistance wherever necessary to help the Business Banking Department and the Bank in achieving annual goals. As necessary, assist in underwriting of new loans which includes evaluation of borrowers financial condition, cash flow, credit history among other criteria to make appropriate lending decision.
Qualifications:
Education, Training and Requirements:
B.S. or B.A. degree in a related field of study (Finance, Management, Economics, or Accounting) or equivalent in experience with at least 6 accounting credits preferred specialized training or experience.
All applicants must be 18 years of age or older
Skills:
Proficient reading, writing, grammar and mathematics skills
Proficient interpersonal and communication skills (both verbal and written)
A working knowledge of current lending and banking regulations, loan policies and procedures
Ability to analyze and interpret financial statements and information; loan structuring skills.
Proficient knowledge of Microsoft word and Excel.
Experience:
Minimum 2 years’ experience as a Credit Analyst / Underwriter or Lender with proven track record or 4 years of relatable banking experience.
Commercial lending, Baker Hill NextGen (NG) and or Portfolio Risk Management (PRM) experience is beneficial.
Ideal candidate would have desire to work toward higher levels of responsibility and lending authority.
Min:
USD $64,000.00/Yr.
Max:
USD $(phone number removed)/Yr.
Other Job Information:
Hours: 40 hours/week
Various locations within the bank footprint will be considered
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.
At 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 230 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, good 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.
Responsibilities:
Assist in the service and management of Business Banking Loan clients having total potential exposure of up to $2,000,000. Monitoring the existing Business Banking portfolio in identifying early warning risk factors that can indicate potential problems with a loan / borrower and / or within a specific industry. Collaborating with Retail or Business Bankers to determine a course of action if deemed appropriate. Underwrite and decision / approve existing loan facilities that trigger an action for renewal or review while remaining within the Bank’s loan policies and procedures to minimize potential risk exposure to the Bank.
Essential Responsibilities:
Responsible to identify and document early warning signs of potential loan deterioration while working within Baker Hill’s NextGen Portfolio Management System
Determine course of action while working in conjunction with Retail or Business Bankers to alleviate or minimize risk or losses.
Independently underwrite and decision / approve, within your lending authority, renewal requests on secured and unsecured lines of credit, ballooning commercial mortgages and other credit structures to provide expeditious service to the client and minimize potential risk exposure to the Bank. This is to be completed in a timely manner utilizing CBNA loan policies and procedures.
Notify Retail and Business Bankers of upcoming maturity and or expiration of facilities, if deemed appropriate and no opportunity has been initiated in NG. Follow up to ensure appropriate action is taken.
Make adjustments as necessary to risk rating on loans identified by the PRM platform and reviewed by Portfolio Underwriters in complaince with the CBNA policy guidelines.
Serve as a resource to assist and mentor Retail Managers.
Build and maintain positive communiction and professional relationships with Business and Retail Bankers and all other CBNA personnel.
Within the parameters set in PRM, if a determination is made that material risk factors are being triggered on any type of loan, the Portfolio Underwriter will engage the Retail or Business Banker to determine if intervention is necessary.
Assist in the initial development and continued enhancement of the Baker Hill NextGen Portfolio Monitoring system to achieve departmental goals.
Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner
Ancillary Duties:
As an integral member of the Business Banking Department, this position is also responsible to provide assistance wherever necessary to help the Business Banking Department and the Bank in achieving annual goals. As necessary, assist in underwriting of new loans which includes evaluation of borrowers financial condition, cash flow, credit history among other criteria to make appropriate lending decision.
Qualifications:
Education, Training and Requirements:
B.S. or B.A. degree in a related field of study (Finance, Management, Economics, or Accounting) or equivalent in experience with at least 6 accounting credits preferred specialized training or experience.
All applicants must be 18 years of age or older
Skills:
Proficient reading, writing, grammar and mathematics skills
Proficient interpersonal and communication skills (both verbal and written)
A working knowledge of current lending and banking regulations, loan policies and procedures
Ability to analyze and interpret financial statements and information; loan structuring skills.
Proficient knowledge of Microsoft word and Excel.
Experience:
Minimum 2 years’ experience as a Credit Analyst / Underwriter or Lender with proven track record or 4 years of relatable banking experience.
Commercial lending, Baker Hill NextGen (NG) and or Portfolio Risk Management (PRM) experience is beneficial.
Ideal candidate would have desire to work toward higher levels of responsibility and lending authority.
Min:
USD $64,000.00/Yr.
Max:
USD $(phone number removed)/Yr.
Other Job Information:
Hours: 40 hours/week
Various locations within the bank footprint will be considered
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.
Reference: 202036917
https://jobs.careeraddict.com/post/95485785
Business Banking Portfolio Manager
Posted on Sep 20, 2024 by Community Financial System, Inc.
Syracuse, NY
Other
Immediate Start
Annual Salary
Full-Time
Overview:
At 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 230 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, good 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.
Responsibilities:
Assist in the service and management of Business Banking Loan clients having total potential exposure of up to $2,000,000. Monitoring the existing Business Banking portfolio in identifying early warning risk factors that can indicate potential problems with a loan / borrower and / or within a specific industry. Collaborating with Retail or Business Bankers to determine a course of action if deemed appropriate. Underwrite and decision / approve existing loan facilities that trigger an action for renewal or review while remaining within the Bank’s loan policies and procedures to minimize potential risk exposure to the Bank.
Essential Responsibilities:
Responsible to identify and document early warning signs of potential loan deterioration while working within Baker Hill’s NextGen Portfolio Management System
Determine course of action while working in conjunction with Retail or Business Bankers to alleviate or minimize risk or losses.
Independently underwrite and decision / approve, within your lending authority, renewal requests on secured and unsecured lines of credit, ballooning commercial mortgages and other credit structures to provide expeditious service to the client and minimize potential risk exposure to the Bank. This is to be completed in a timely manner utilizing CBNA loan policies and procedures.
Notify Retail and Business Bankers of upcoming maturity and or expiration of facilities, if deemed appropriate and no opportunity has been initiated in NG. Follow up to ensure appropriate action is taken.
Make adjustments as necessary to risk rating on loans identified by the PRM platform and reviewed by Portfolio Underwriters in complaince with the CBNA policy guidelines.
Serve as a resource to assist and mentor Retail Managers.
Build and maintain positive communiction and professional relationships with Business and Retail Bankers and all other CBNA personnel.
Within the parameters set in PRM, if a determination is made that material risk factors are being triggered on any type of loan, the Portfolio Underwriter will engage the Retail or Business Banker to determine if intervention is necessary.
Assist in the initial development and continued enhancement of the Baker Hill NextGen Portfolio Monitoring system to achieve departmental goals.
Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner
Ancillary Duties:
As an integral member of the Business Banking Department, this position is also responsible to provide assistance wherever necessary to help the Business Banking Department and the Bank in achieving annual goals. As necessary, assist in underwriting of new loans which includes evaluation of borrowers financial condition, cash flow, credit history among other criteria to make appropriate lending decision.
Qualifications:
Education, Training and Requirements:
B.S. or B.A. degree in a related field of study (Finance, Management, Economics, or Accounting) or equivalent in experience with at least 6 accounting credits preferred specialized training or experience.
All applicants must be 18 years of age or older
Skills:
Proficient reading, writing, grammar and mathematics skills
Proficient interpersonal and communication skills (both verbal and written)
A working knowledge of current lending and banking regulations, loan policies and procedures
Ability to analyze and interpret financial statements and information; loan structuring skills.
Proficient knowledge of Microsoft word and Excel.
Experience:
Minimum 2 years’ experience as a Credit Analyst / Underwriter or Lender with proven track record or 4 years of relatable banking experience.
Commercial lending, Baker Hill NextGen (NG) and or Portfolio Risk Management (PRM) experience is beneficial.
Ideal candidate would have desire to work toward higher levels of responsibility and lending authority.
Min:
USD $64,000.00/Yr.
Max:
USD $(phone number removed)/Yr.
Other Job Information:
Hours: 40 hours/week
Various locations within the bank footprint will be considered
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.
At 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 230 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, good 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.
Responsibilities:
Assist in the service and management of Business Banking Loan clients having total potential exposure of up to $2,000,000. Monitoring the existing Business Banking portfolio in identifying early warning risk factors that can indicate potential problems with a loan / borrower and / or within a specific industry. Collaborating with Retail or Business Bankers to determine a course of action if deemed appropriate. Underwrite and decision / approve existing loan facilities that trigger an action for renewal or review while remaining within the Bank’s loan policies and procedures to minimize potential risk exposure to the Bank.
Essential Responsibilities:
Responsible to identify and document early warning signs of potential loan deterioration while working within Baker Hill’s NextGen Portfolio Management System
Determine course of action while working in conjunction with Retail or Business Bankers to alleviate or minimize risk or losses.
Independently underwrite and decision / approve, within your lending authority, renewal requests on secured and unsecured lines of credit, ballooning commercial mortgages and other credit structures to provide expeditious service to the client and minimize potential risk exposure to the Bank. This is to be completed in a timely manner utilizing CBNA loan policies and procedures.
Notify Retail and Business Bankers of upcoming maturity and or expiration of facilities, if deemed appropriate and no opportunity has been initiated in NG. Follow up to ensure appropriate action is taken.
Make adjustments as necessary to risk rating on loans identified by the PRM platform and reviewed by Portfolio Underwriters in complaince with the CBNA policy guidelines.
Serve as a resource to assist and mentor Retail Managers.
Build and maintain positive communiction and professional relationships with Business and Retail Bankers and all other CBNA personnel.
Within the parameters set in PRM, if a determination is made that material risk factors are being triggered on any type of loan, the Portfolio Underwriter will engage the Retail or Business Banker to determine if intervention is necessary.
Assist in the initial development and continued enhancement of the Baker Hill NextGen Portfolio Monitoring system to achieve departmental goals.
Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner
Ancillary Duties:
As an integral member of the Business Banking Department, this position is also responsible to provide assistance wherever necessary to help the Business Banking Department and the Bank in achieving annual goals. As necessary, assist in underwriting of new loans which includes evaluation of borrowers financial condition, cash flow, credit history among other criteria to make appropriate lending decision.
Qualifications:
Education, Training and Requirements:
B.S. or B.A. degree in a related field of study (Finance, Management, Economics, or Accounting) or equivalent in experience with at least 6 accounting credits preferred specialized training or experience.
All applicants must be 18 years of age or older
Skills:
Proficient reading, writing, grammar and mathematics skills
Proficient interpersonal and communication skills (both verbal and written)
A working knowledge of current lending and banking regulations, loan policies and procedures
Ability to analyze and interpret financial statements and information; loan structuring skills.
Proficient knowledge of Microsoft word and Excel.
Experience:
Minimum 2 years’ experience as a Credit Analyst / Underwriter or Lender with proven track record or 4 years of relatable banking experience.
Commercial lending, Baker Hill NextGen (NG) and or Portfolio Risk Management (PRM) experience is beneficial.
Ideal candidate would have desire to work toward higher levels of responsibility and lending authority.
Min:
USD $64,000.00/Yr.
Max:
USD $(phone number removed)/Yr.
Other Job Information:
Hours: 40 hours/week
Various locations within the bank footprint will be considered
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.
Reference: 202036917
Share this job:
Alert me to jobs like this:
Amplify your job search:
Expert career advice
Increase interview chances with our downloads and specialist services.
Visit Blog