Experience Inc. Jobs

Overview

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 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.

The Assistant Mortgage Loan Consultant (AMLC) assists the Mortgage Loan Consultant(s) (MLC) to produce mortgage loans efficiently and timely, with minimal errors, all while maintaining exceptional customer service. The AMLC performs a variety of administrative duties in support of, and in concert with the individual MLC quest in establishing and maintaining strong professional ties to area business generators, builders, centers of influence, as well as individual residential real estate customers.

1. Supports the Mortgage Loan Consultant in soliciting quality loan applicants through various methods and media.

2. Assists MLCs to gather information related to residential real estate applications through interaction with parties involved in the transaction, while adhering to customer privacy guidelines.

3. Schedules appointments on behalf of the MLC, or with the AMLC which fit the needs of the bank and customer, whether on company premises or at a mutually convenient location.

4. In support of the originating MLC, may inform customers of the institution's loan programs, underwriting guidelines and applicable government regulations.

5. Prepares and maintains applications and manages application documents.

6. Prepares Loan Estimates in compliance with regulatory guidelines and bank policy.

7. Answers incoming inquiries, written or otherwise, and satisfies those inquiries, or consults with the Mortgage Loan Consultant to satisfy the inquiry if applicable.

8. Maintains and fosters relationships with realtors, attorneys, appraisers, applicants, and Mortgage Processing personnel.

9. May attend loan closings on behalf of the MLC.

10. Processes final documentation and loan tickets to initiate the booking process.

11. Stays abreast of, and participates in, community outreach programs within the MLC's designated territory to ensure the bank remains a partner to groups of low to moderate income (LMI) and those in a protected class.

12. Ensures exceptional customer service, both internal and external by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics and complying with all Federal and State compliance policies.

13. Performs other related duties as assigned or directed.

14. 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.

Education/Training:

An Associates degree or equivalent preferred. This position requires National Mortgage Licensing System ("NMLS") registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act).

All applicants must be 18 years of age or older.

Skills: Proficient reading, writing, grammar, and mathematics skills; comfortability with various software programs and overall PC functions, proficient interpersonal relations and communication skills; ability to multitask and manage multiple duties effectively; and, the ability to learn and maintain a working knowledge of Bank operating policies and products.

Experience: Experience in a high volume, multi-tasked professional administrative, sales, or customer service position. Experience in submitting loan file requests electronically (DU-Desktop Underwriter) and knowledge of FNMA guidelines a plus.

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.

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.

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.

Minimum Salary: 31200.00 Maximum Salary: 31200.00 Salary Unit: Yearly