Credit Clerk jobs in Nassau, NY

Credit Clerk evaluates and suggests creditworthiness of prospects and customers to decrease financial risk to the organization. Checks credit applications and grants approval within established guidelines for organizations or individuals. Being a Credit Clerk communicates with the customers and other departments to solve the credit problems. May negotiate terms of payment to assist with collection of overdue balances. Additionally, Credit Clerk requires a high school diploma or its equivalent. Typically reports to a supervisor or manager. The Credit Clerk possesses a moderate understanding of general aspects of the job. Works under the close direction of senior personnel in the functional area. May require 0-1 year of general work experience. (Copyright 2024 Salary.com)

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Commercial Credit Underwriter 2
  • Community Bank System, Inc.
  • Albany, NY FULL_TIME
  • 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 200 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.


    Responsibilities

    A Credit Underwriter 2 is responsible for spreading mid to complex financial statements in compliance with Bank standards; preparing Credit Offering Memorandums on mid to complex borrowers in concert with Commercial Lenders for consideration of commercial loan approval; compilation of the borrower's total bank relationship; managing personal workload to ensure completion of assignments within prescribed timelines, making recommendations to Commercial Lenders as to appropriate risk ratings and address of loan policy exceptions, structural weaknesses, appraisal exceptions and environmental waivers; preparing semi-annual reports on trends within industries in which the bank may have potential credit concentrations; and providing guidance and on-the-job training to Credit Underwriter 1s.

    • Prepares financial spreadsheets on existing or potential borrowers using accountant-prepared or company-prepared financial statements, tax returns, budgets and/or projections.
    • Gathers all additional credit information, environmental reports, etc. as required by the structure of the credit request.
    • Prepares Credit Offering Memorandums on mid to complex borrowers, which includes a description of the credit request and all associated structural components; a detail of the borrower's Bank relationship (loans, deposits, cash management, RDC, etc.); corporate historical / projected and personal financial statement and cash flow analysis; detailed collateral evaluation and OCC stress testing on commercial real estate projects; identification of loan policy exceptions and regulatory structural weaknesses; and assessment of appropriate risk rating.
    • Makes recommendations to commercial Lender as to appropriate risk rating and/or changes to the structural elements of the borrower's loan request to eliminate loan policy exceptions or regulatory structural weaknesses.
    • Advises the Commercial Lender of appraisal or environmental requirements that must be approved by the Chief Credit Administrator prior to the loan proposal's submission for approval.
    • Accompanies Commercial Lenders on customer informational calls, as requested.
    • Coordinates the completion of credit assignments with Commercial Lenders and Credit Supervisors/Managers to ensure customer needs are being addressed in a timely manner.
    • Provides basic on-the-job training and technical guidance to Credit Underwriter 1s.
    • As an integral member of the Credit Administration Department, this position is also responsible to provide assistance wherever necessary to help the Credit Administration Department and the Bank in achieving their annual 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.

    Qualifications

    • B.S. or B.A. degree in a business related field of study (finance, management, economics, accounting) with at least 6 credits in accounting.
    • Specialized financial analysis training.
    • Proficient reading, writing, grammar, and mathematics skills.
    • Proficient interpersonal and communication skills (both verbal and written).
    • A thorough knowledge of current lending and banking regulations, loan policies, and procedures.
    • Proven ability to analyze and interpret financial statements and information.
    • Moderate loan structuring skills.
    • Technical supervisory skills sufficient to provide guidance and training to Credit Underwriter 1s.
    • Proficient knowledge of Microsoft Word, Excel and all other departmental computer programs.
      Minimum of two (2) years experience as a Credit Underwriter 1 normally required.

    Other Job Information

    Hours: 40 hours/week

    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.

    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.


    Minimum

    USD $48,464.00/Yr.
    Maximum

    USD $72,946.00/Yr.
    Community Bank System, Inc. is an Affirmative Action, Equal Opportunity Employer who fully embraces diversity - minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity.

     

  • 18 Days Ago

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Credit risk officer
  • Community Bank
  • Albany, NY FULL_TIME
  • Responsibilities Responsible for performing a variety of duties relating to the loan review function in order to assist in the ongoing management of credit risk; achieving goals as established in the ...
  • 1 Day Ago

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Credit and Collections Representative
  • W.B. Mason Company, Inc
  • Albany, NY FULL_TIME
  • Overview An interesting and challenging opportunity awaits you. W.B. Mason is a company rich with history and for over 100 years has been driven to satisfy the customer. We are the largest independent...
  • 15 Days Ago

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Credit Risk Analyst
  • New York ISO
  • Rensselaer, NY FULL_TIME
  • The NYISO’s Finance department invites applications for a full-time Credit Risk Analyst. The Credit Risk Analyst will assess and review credit portfolios of NYISO Market Participants and assist in con...
  • 1 Month Ago

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Clerk
  • Postal Source
  • Hudson, NY FULL_TIME
  • POSTAL CLERK NO EXPERIENCE REQUIRED PAID TRAINING PROVIDED JOB SECURITY The Postal Service is the largest government related agency in terms of employees. The Postal Service currently employs nearly 1...
  • Just Posted

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Mortgage Underwriter
  • Credit Union Center Management
  • Albany, NY FULL_TIME
  • More than 30 years ago, credit union leaders founded OwnersChoice specifically to serve the unique mortgage requirements of credit unions and their members. Assisting credit unions with mortgage loan ...
  • 19 Days Ago

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0 Credit Clerk jobs found in Nassau, NY area

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2024 Staff Accountant (Entry Level, 0-1 Years' Experience)
  • Bonadio & Company LLP
  • Albany, NY
  • Overview Finishing your 150 credit hours and reaching CPA eligibility in 2024? Kick off your public accounting career wi...
  • 3/28/2024 12:00:00 AM

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Senior Accountant (NY HELPS), SG-18, Accountant Trainee 2 (NY HELPS), (Equated to SG 16), Accountant Trainee 1 (NY HELPS), (Equated to SG 14)
  • State of New York
  • Albany, NY
  • Minimum Qualifications Do you want a career with a purpose that provides work/life balance? Apply today to join the Offi...
  • 3/28/2024 12:00:00 AM

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New York State 2025 Staff Accountant (Entry Level, 0-1 Years' Experience)
  • Bonadio & Company LLP
  • Albany, NY
  • Overview Finishing your 150 credit hours and reaching CPA eligibility in 2025? Kick off your public accounting career wi...
  • 3/28/2024 12:00:00 AM

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Senior Patient Accounts Processor (req 100771)
  • Whitney M Young Jr Health Center
  • Albany, NY
  • GENERAL RESPONSIBILITIES: The Senior Patient Accounts Processor at Whitney Young Health ensures the financial integrity ...
  • 3/28/2024 12:00:00 AM

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WIC Nutrition Assistant (req 100772)
  • Whitney M Young Jr Health Center
  • Albany, NY
  • GENERAL RESPONSIBILITIES: Performs all clerical and related duties associated with the WIC Program at Whitney Young Heal...
  • 3/28/2024 12:00:00 AM

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Loss Prevention Investigator, Roosevelt Field
  • Neiman Marcus
  • Nassau, NY
  • Neiman Marcus Group is a relationship business that leads with love in everything we do-for our customers, associates, b...
  • 3/26/2024 12:00:00 AM

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Senior Accountant, Accountant Trainee 1 (NY HELPS), (Seven Positions), Box RSU Senior Accountants
  • StateJobsNY
  • Albany, NY
  • MINIMUM QUALIFICATIONS: NY HELPS This title is part of the New York Hiring for Emergency Limited Placement Statewide Pro...
  • 3/25/2024 12:00:00 AM

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Accountant Generalist
  • Sunmark Credit Union
  • Latham, NY
  • Job Description Job Description At Sunmark Credit Union, we strive to build brighter financial futures and communities. ...
  • 3/25/2024 12:00:00 AM

Nassau, the name of several places in New York State, may refer to: Nassau (village), New York Nassau (town), New York Nassau County, New York Nassau Island, former name of Long Island...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Credit Clerk jobs
$40,078 to $53,909
Nassau, New York area prices
were up 1.5% from a year ago