Credit Administration Reports Analyst - Community Financial System : Job Details

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, were 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.

Credit Administration Reports Analyst - depending upon experience, this role may be hired at a level 2 or 3, and therefore salary range is reflective of this as noted below:

• Level 2 Low and high (min $58,500 - max $88,000)
• Level 3 low and high (min $64,000 - max $108,804)

This position has responsibility for developing and ongoing preparation of various reports for the Credit Administration Department that support informational needs of the Board, Senior Management and the various regulatory bodies regarding the Banks loan portfolio. Works closely with Commercial Banking, Loan Operations, BIS, Finance, Credit Risk Review and other Credit Administration employees to establish and maintain processes that support these areas, such as developing reports for tracking of trends/changes in the Commercial Loan portfolio; evaluating the quality of loan underwriting; and extracting and verifying data/conclusions.

Because of the reliance placed by Senior Management and the Board on the accuracy and timeliness of the information provided, the incumbent must possess knowledge of lending specialities (commercial, consumer and mortgage) and the laws, policies and procedures that regulate them. The incumbent must be knowledgeable of pertinent economic, regulatory, and lending issues and trends and be able to utilize this knowledge to prepare reports that succinctly highlight key issues. He/she must have an in-depth knowledge of data extraction techniques to allow for efficient and effective data capture and analysis, and must have sufficient analytical skills to interpret the data and present conclusions in a logical form (written or oral).

Essential Responsibilities:

• Independently develops or works with BIS to develop JHAKnow reports that track pertinent portfolio trends. Maintains the integrity of these reports through interactions with Loan Operations, BIS and other departments as necessary. Documents the data gathering techniques used to generate reports.
• Prepares portfolio analysis reports for use by Senior Management, the Board and regulatory agencies. Certain reports are required at regular intervals and others are produced upon request.
  • Interprets the information needs of report recipients; accuracy is critical.
  • Analyzes data, conducts appropriate research and prepares written or oral summaries of conclusions. Must be able to defend conclusions when called upon to do so.
• Performs qualitative reviews of credit approval documents to gauge the degree of policy compliance. Counsels commercial bankers and Credit Administration staff in the proper disclosure of policy exceptions, structural weaknesses, and other credit issues.
• Works with other Credit Administration employees in the development and updating of loan procedures; participates in the training of credit underwriters/lending personnel on these issues.
• Participates in pre-and post- acquisition integration activities: works closely with Loan Operations to ensure the accurate conversion of NAICS codes, risk ratings, regulatory reporting codes and appraisal values to maintain the quality/consistency of portfolio reporting.
• Assists in the training of new/lower-level Reports Analysts as needed.
• Performs other reporting/support functions as required.
• 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 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.

Education, Training and Requirements:

• B.S. or B.A degree in a related field of study (accounting, business, finance, economics, management) or equivalent work experience.
• Data management and loan portfolio reporting experience preferred.
• All applicants must be 18 years of age or older.

Skills:

Superior spreadsheet and database skills with a focus on data extraction/manipulation and report creation; working knowledge of other Microsoft Office programs; knowledge of bank lending to include loan policy and procedures, loan accounting issues, loan structuring techniques, management information systems (including JhaKnow and B2B), regulatory matters and internal control/risk management issues; Strong analytical, organizational, problem solving, project management and communication (both written and oral) skills. Ability to work independently as well as cooperatively in a team environment. Requires a high level of accuracy and the ability to meet strict deadlines.

Experience:

Reports Analyst II: Minimum 5 years of relevant banking experience, preferably in a commercial banking/credit administration capacity, in finance/accounting or in management information systems, including time spent as a Reports Analyst I. Experience extracting and interpreting information from Bank systems, preferred; Strong project management skills along with the ability to work with minimal supervision.

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, use 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.

Compensation:

Depending upon experience, this role may be hired at a level 2 or 3, and therefore salary range is reflective of this as noted below:

• Level 2 Low and high (min $58,500 - max $88,000)
• Level 3 low and high (min $64,000 - max $108,804)

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.