Commercial Lender - Banking

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.operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, 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.

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.

Responsible for performing a variety of duties to meet the commercial services needs of business customers; achieving customer service goals as established in the Commercial Banking Department's annual operating plan; complying with operating policies and procedures established for the commercial services function; Responsible to accurately risk rate assigned loan relationships on a timely basis.

Perform a variety of duties to meet the commercial sales and services needs of business customers as follows:

Maintains ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities and solicit other new business.

Makes outside sales calls on prospective customers to assess needs, and describe and sell products and services.

Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports.

Monitors individual sales performance versus objectives on a regular basis; discusses performance with appropriate supervisor on a frequent basis.

Serves as a member of the bank's sales team, e.g., Maintains a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs.

Provides direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services; approves or rejects loan applications within individual lending authority.

Assists customers in obtaining specialized services from other bank departments as necessary; provides help to customers with specific inquiries or service problems.

Maintains a working knowledge of bank operating policies and procedures with impact commercial services.

Prepares and maintains accurate records of all customer sales and service calls made and meetings held with present and prospective customers.

Provides quality service to customers, whether internal or external.

Jointly establishes annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Banking Department's annual operating plan.

Complies with established operating policies and procedures in order to maintain adequate controls and to support the bank's adherence to outside regulatory requirements.

Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.

Monitors and reviews accounts for appropriate risk rating to avoid risk rating changes by Loan Review, the OCC or other loan review processes.

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 requirements in a timely fashion

Provides quality service to customers, whether internal or external.

Jointly establishes annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Banking Department's annual operating plan.

Complies with established operating policies and procedures in order to maintain adequate controls and to support the bank's adherence to outside regulatory requirements.

Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.

Monitors and reviews accounts for appropriate risk rating to avoid risk rating changes by Loan Review, the OCC or other loan review processes.

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 requirements in a timely fashion

Education/Training:

degree in related field of study; specialized banking education and training.

Proficient reading, writing, grammar, and mathematics skills; a thorough knowledge of the features and benefits of all bank commercial products and services; a working knowledge of bank operating policies and procedures which impact commercial services; Minimum of seven (7) years' experience in related positions normally required with an emphasis in the Commercial Real Estate Financing area.

11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on!

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 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.