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, 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.

A Credit Underwriter is responsible for spreading financial statements in compliance with Bank standards. It is the responsibility of a credit underwriter to prepare Credit Offering Memorandums on non-to-mid-complex borrowers in concert with Commercial Lenders for consideration of commercial loan approval. Other responsibilities include compiling of borrower's total banking relationship, managing personal workload to ensure completion of work within prescribed timeline, and performing other administrative duties to support the Credit Administration function.

*Prepare financial spreadsheets on existing or potential borrowers using accountant-prepared for company-prepared financial statements and tax returns
* Gather all additional credit information, environmental reports, etc. as required by the structure of the credit request
* Prepare Credit Offering Memorandums on non-to mid-complex borrower's, which includes a description of the credit request and all associated structural components, detail of the borrower's banking relationship (loans, deposits, cash management, RDC, etc.), corporate and personal financial statement and cash flow analysis, detailed collateral evaluation, and identification of loan policy exceptions and regulatory structural weaknesses
* May suggest a risk rating for the relationship to the Commercial Lender after conducting a thorough credit analysis and documentation review
* Coordinate the completion of credit assignments with Commercial Lenders and Credit Supervisors/ Managers to ensure customer needs are being addressed in a timely manner
* Maintain appropriate records and provide assigned reports
* 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.

* B.S. or B.A. degree in a business related field of study (finance, management, economics, accounting) with at least 6 credits in accounting.
* Proficient reading, writing, grammar, and mathematics skills.

* Proficient interpersonal and communication skills (both verbal and written).

* Understanding of financial statement composition.

* Sound knowledge of Microsoft Word and Excel.