Direct Lending Lender

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.

This position is responsible for reviewing Direct Consumer Loans via the Consumer LOS for quality assurance, adherence to compliance policies, regulatory policies (such as Fair Lending), underwriting policies, and documentation requirements.

Essential Responsibilities:

• Communicate credit decisions to customers and perform credit analysis/investigations as outlined in the company's policy and procedures
• Review Direct Consumer loan packets to ensure accuracy
• Review exceptions and correspond directly with Lender(s) and Loan processor(s) to resolve
• Perform multiple queue verification within Consumer LOS to ensure all loans are satisfied in a timely and regulatory manner
• Assist with reviewing employee Direct Consumer loans
• Assist Supervisor(s) in daily operations as they pertain to Direct Consumer Lending
• Provide periodic reports to Supervisor(s)
• Assist Supervisor(s) with updating procedures as needed
• Assist Branch representatives and LOS Regional Trainers with Direct Consumer loan and LOS questions
• Assist with and absorb additional Direct Consumer Loan related functions resulting from a merger/acquisition
• Provide quality service to customers (internal and external), coworkers and management
• Comply with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory agencies
• Perform other related duties as assigned or directed
• 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

Ancillary Duties:

• Occasional travel throughout branch network
• As an integral member of the Direct Lending Department, this position is responsible to assist the department, as well as the Bank, in achieving their goals

Education, Training and Requirements:

• High School Diploma or GED required
• Associates Degree in related field of study or two (2) years' experience in a related field preferred
• Valid drivers' license
• All applicants must be 18 years of age or older

Skills:

• Keen attention to detail
• Proficient reading, writing, grammar and mathematical skills
• Proficient and professional interpersonal relations and communicative skills
• Adaptable and flexible with an understanding of change
• Positive attitude with a level-headed approach
• Creative thinker, collaborative and team player
• Dedicated work ethic
• Able to maintain focus within an open floor plan office setting consisting of simultaneous professional conversations
• Consistently demonstrate the Company's core values; integrity, excellence, teamwork, and humility

Experience:

• Minimum of two (2) years' experience in related document review, lending or operational position normally required

Hours: 40 hours/week Monday-Friday 8:00-4:30

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.