Senior Commercial Credit Underwriter I

Senior Commercial Credit Underwriter I

DEPARTMENT: Commercial Lending

LOCATION: 288 Main Street Catskill, NY 12414

REPORTS TO: Senior Commercial Credit Officer

SUPERVISES: None

GRADE: 14

Pay Range: $62,000 - $79,000 commensurate with education and experience

FLSA: Exempt

POSITION SUMMARY:

The Senior Commercial Credit Underwriter I provides commercial credit analysis and underwriting, thereby 

facilitating the initiation and servicing of commercial credit relationships. Reviews the commercial loan 

portfolio to ensure sufficient, current and accurate credit records are created and maintained within the credit 

files, loan processing system, and the financial tracking and reporting software. Underwrites new money 

loans, renewals and annual reviews within assigned threshold. 

EDUCATION & EXPERIENCE:

• Bachelors Degree in Business/Finance or related field, or equivalent work experience 
• Three years or more of experience and knowledge of credit analysis 
• Proficiency in Microsoft Office software 
• Detail oriented, with strong communication and analytical skills 

MAJOR DUTIES & RESPONSIBILITIES:

• Underwrite and analyze Commercial & Industrial (C&I) and Commercial Real Estate (CRE) complex 
• loan transactions ranging between $1.0 million to $20.0 million 
• Complete relationship reviews and line renewals within threshold level 
• Ensure complete credit files are maintained and updated in accordance with Bank policies and 
• procedures for relationships constituting the commercial credit portfolio 
• Prepare credit related reports as needed. 
• Complete projects assigned relating to the management of the commercial loan portfolio 
• Enter data into Bank’s financial analysis and monitoring software system (Sageworks/Abrigo) 
• Provide assistance as requested during audits and exams 
• Train and mentor junior staff in the credit underwriting process 
• Order and review third party reports, such as credit reports, appraisals and environmental reports 
• Safeguard Bank assets (monitor and mitigate the Bank’s risk of loss) 
• Comply with all applicable laws, rules, regulations, policies, procedures, and guidelines 
• Contribute to a professional, business-like atmosphere within the credit department 
• Other duties as assigned 

PHYSICAL DEMANDS:

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. While performing the duties of this job, the employee is regularlyrequired to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. Reasonable accommodations may be made to enable individuals with disabilities 

to perform the essential functions. 

COMPLIANCE STATEMENTS:

EQUAL OPPORTUNITY EMPLOYER

Bank of Greene County is an equal opportunity employer. We provide equal employment opportunity in all 

employment-related matters, including hiring, training, promotion, compensation, benefits, transfers and other 

personnel actions, without regard to race (including traits historically associated with race), color, national origin, 

age, religion, sex, sexual orientation, gender identity or expression, the status of being transgender, disability, 

genetic information, predisposition and carrier status, military or veteran status, marital and familial status, the 

status of being a victim of domestic violence, employee’s or a dependent’s reproductive health decision making 

(including, but not limited to, a decision to use or access a particular drug, device or medical service), known 

relationship or association with any member of a protected class, and any other characteristic protected by 

applicable law. 

BANK SECRECY ACT (BSA)

Before assuming any duties, each employee will be trained in the proper filing and logging procedures for large 

currency transactions and the sale of monetary instruments. 

Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor 

or the BSA Officer. 

All employees will become familiar with how their customers handle their accounts and will report any 

transactions that are not within the normal activities of the customer. 

The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and 

regulations under the Bank’s Compliance Program as it pertains to his or her job functions. Employees are 

expected to meet all compliance requirements as stated within the Bank’s BSA/AML/CIP/OFAC 

Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result 

in disciplinary action up to and including termination. Employee’s compliance violations may result in 

termination, individual fines, and possible imprisonment.