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.

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 policies, procedures, and internal controls, and meet all training requirements in a timely manner.

• Perform other related duties as assigned or directed

• Ideal candidate should have a 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.

Compensation: Commensurate with experience plus 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.