Commercial Banking Officer - Syracuse Region

Job Description

Overview

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.A., 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.

To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great 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

A Commercial Banking Officer will perform a variety of duties to meet the commercial service needs of business customers and will include some lending authority. This position requires an employee able to develop new business relationships with prospective customers and maintain continuous business relationships with present customers. A valid drivers license is required.

Solicit new business from present and prospective customers

Maintain ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities

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

Monitor individual sales performance versus objectives on a regular basis and discuss performance with appropriate supervisor on a frequent basis

Serve as a member of the Bank's sales team (e.g., Branch Manager) and make group sales calls where these types of calls will improve the opportunity for new business development

Maintain 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

Provide direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services

Approve or reject loan applications within individual lending authority

Assist customers in obtaining specialized services from other bank departments as necessary and provide help to customers with specific inquiries or service problems

Maintain a working knowledge of bank operating policies and procedures which impact commercial services

Prepare and maintain accurate records of all customer service calls and meetings made with present and prospective customers

Provide quality service to internal and external customers

Demonstrate cooperative efforts in working with other departments and within own department

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

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

Communicate with management and staff personnel in order to integrate goals and activities

Respond 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

Maintain appropriate records and provide assigned reports.

Monitor and review accounts for appropriate risk rating to avoid risk rating changes by loan review, the Office of Comptroller of Currency (OCC) and other loan review processes.

Provide guidance, on-the-job training and technical assistance to Commercial Loan Officers 1(s) and 2(s)

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.

Perform other related duties as assigned or directed

Qualifications

Minimum five (5) years experience in related positions.

B.S. or B.A. Degree in a related field preferred

Specialized banking education and training

A valid drivers license is required.

Proficient reading, writing, grammar and mathematic skills

Proficient interpersonal relationship, communication and sales skills

Thorough knowledge of the features and benefits of all bank commercial products and services

Working knowledge of bank operating policies and procedures which impact commercial services

All applicants must be 18 years of age or older.

Full-time