Commercial Loan Officer Ii (Hybrid In Orange/Sullivan/Ulster Ny Counties)

GENERAL RESPONSIBILITIES:
In a Hybrid enviornment is responsible for achieving goals as established in the assigned
department's annual operating plan; coordinating work within the unit or department, as well as with other units or departments; complying with operating policies and procedures established for the credit analysis and approval function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports.
ESSENTIAL DUTIES:
1. Demonstrates core values and guiding principles as outlined in the Bank's Mission, Vision and Value Statements of which the following are illustrative:
a. Gives exceptional customer service to both internal and external customers by providing prompt, polite and effective communication.
b. Participates as a member of the team.
c. Positively and proactively contributes to the Bank's Strategic Plan.
d. Demonstrates support of Management.
2. Ensures that all activities and work functions adhere to compliance requirements as are defined in company policies and procedures as well as state/federal laws and regulations.
3. Performs administrative duties to support the credit analysis and credit approval functions of which the following are illustrative:

a. Performs analysis of potential and existing commercial relationships.

b. Presents loan requests or renewals to the Board of Directors Loan Committee and the Senior Management Loan Committee.

c. Takes applications for Commercial Loans and mortgages. Assists with consumer applications when needed.

d. Responsible for analyzing business plans in an attempt to formulate a loan request that is in the best interest of both the bank and commercial entity

e. Approves and declines loans within lending authority. Maintains proper documentation. Provides a recommendation for loans above lending authority.

f. Communicates with examiners regarding lending and loan review.

g. Maintains an objective focus when analyzing applications taken by other lending officers.

h. Assists with credit policy revisions when needed.

i. Maintains connections with other institutions for the purpose of loan participations.

j. Assists with the collection and/or liquidation of assets on problem loans.
4. Achieves goals assigned to the Commercial Loan area as part of the department's annual operating plan.

5. Cooperates with, participates in and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness, including but not limited to BSA and AML (cash secured loans, loans paid off too quickly) and the bank's compliance
with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.

6. Coordinates specific work tasks with other personnel within the unit or department as well as with other units and departments in order to insure the smooth and efficient flow of information.

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

8. Communicates with management and staff personnel in order to integrate goals and activities.

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

10. Maintains appropriate records and provides assigned reports.

11. Obtains and maintains annually registration with the National Mortgage and Licensing System and Registry as required under the provisions of the SAFE Act.

ANCILLARY DUTIES:
1. Performs other related duties as assigned or directed.

JOB LOCATION:
HYBRID in Orange/Sullivan/Ulster Counties (Port Jervis/Monticello)

EQUIPMENT/MACHINES
1. Telephone
2. P.C.
3. Printer
4. Computer Keyboard
5. Typewriter/Word Processor
6. Calculator