Community Bank Systems Inc. Assistant Mortgage Loan Consultant in Rochester, New York
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 230 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, good 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 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.Essential Duties & Responsibilities: 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. Qualifications Education/Training: An Associate's degree or equivalent preferred. Candidates being considered for this position will be subject to additional background checks as required by regulations. Employees in this job must register and comply with all rules and regulations of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Employees hired or transferring into this position will need to meet the qualification requirements, in Community Bank's sole discretion, under Reg. Z, prior to acting in a supporting role to a loan originator in a consumer credit transaction secured by a dwelling. Qualification requirements include but are not limited to an assessment of overall financial responsibility, character, and general fitness through review of a criminal background check, and credit report. 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.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.