SBL/SBA Underwriter Officer

Company: Community Bank, N.A.
Location: Syracuse
Posted on: November 22, 2021

Job Description:

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, 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. Responsibilities: This position serves as a SBA lending subject matter expert and resource for Commercial, Retail Bankers, and SBL Underwriters. Ensure the Banks SBA loans meet all SBA eligibility, regulatory, and underwriting guidelines. Responsible for compliance to SBA policies and procedures. Independently evaluate and underwrite Non-SBA Small Business Loan applications to determine credit worthiness of the applicant with increasing levels of responsibility and lending authority. Make sound loan underwriting decisions within the Banks loan policies and procedures to minimize potential risk potential to Bank.

• Gather and/or verify all necessary loan information to determine SBA eligibility, package the application and obtain authorization from SBA.
• Communicate with SBA via eTran or SBA One to obtain a SBA Loan Authorization for each transaction.
• Work closely with Commercial, Retail and SBL Banking staff in order to determine loan structure and documentation requirements are met for SBA eligibility.
• Review and evaluate small business loan applications for credit worthiness.
• Decision and condition loan applications based on acceptable risk tolerance in a timely manner within CBNA loan policies and procedures and within authorized lending limits.
• Ensure proper loan structure for approved loans.
• Make sound loan recommendations to SBL Senior Underwriters or Manager on loan requests above authorized lending limit.
• Serve as a resource to assist and mentor branch lenders.
• Lead SBA workshop training for Branch and Commercial Bankers.
• Provide quality and efficient customer service.
• Cooperate with other members of the SBL Department 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 pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion.
• Participation in special projects, which arise from time to time, which can be related to SBA programs (i.e. PPP).
• As an integral member of the Small Business Lending Department, this position is responsible to provide assistance wherever necessary to help the Small Business Lending Department and the Bank in achieving its annual goals. Qualifications:
  • B.S. or B.A. degree in a related field of study (Finance, Management, Economics, or Accounting) or equivalent.
  • 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.
  • Advanced knowledge of Microsoft word and Excel.
  • Knowledge of Baker Hill NextGen platform is a plus.
  • Minimum of 4 years experience as a Credit Analyst or Lender with proven track record.
  • Commercial lending experience preferred. Ideal candidate would have desire to work toward higher levels of responsibility and lending authority. Other Job Information: Compensation: Commensurate with experience plus annual bonus. 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! To apply to this position or to see a full listing of current openings please go to: 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. An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Keywords: Community Bank, N.A., Syracuse , SBL/SBA Underwriter Officer, Other , Syracuse, New York