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.

As a member of the Retail Banking Team, the Mortgage Loan Officer (MLO) is responsible for timely review and evaluation of mortgage loans and pre-qualification requests from our online portals to meet individual and department production goals.  MLOs also accept applications outside of the online portals through non-face-to-face methods such as via mail and telephone.  The MLO is responsible for gathering and analyzing all information to meet regulatory guidelines to maintain file from origination to closing.

Essential Responsibilities:

• Interview applicants via remote means to establish or enhance a lending relationship
• Act as the customer’s point of contact and information source from the application through booking process
• Inform customers of the institution’s loan programs, underwriting guidelines and applicable government regulations
• Assist customers in completing pre-qualification requests for real estate lending
• Collect and analyze pertinent information regarding income, assets, debts and credit data in order to complete a residential loan application
• Thorough expertise in product knowledge, assist the customer in determining which products best meet their individual needs and financial circumstances
• Gather and submit the required documentation for loan decision 
• Render loan decisions, communicate approvals, denials and counter-offers to the applicant while maintaining strict confidentiality of critical customer financial information
• Actively participate in ongoing training and education as directed by Manager
• Ensure exceptional customer service, both internal and external, by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements
• Demonstrate a commitment to professional ethics and comply with all Federal and State compliance policies
• Adhere to established operating policies and procedures in order to maintain adequate controls and to support the Bank’s compliance to outside regulatory requirements
• Maintain responsibility for the loan file and documentation through processing, underwriting, closing and post-closing by following the transaction through to its conclusion
• Complete annual training requirements pertaining to Federal and State laws/regulations on or before due dates and attend in-hour training pertaining to sales, service and technology throughout the year
• 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 policies, procedures, and internal controls, and meet all training requirements in a timely manner

Ancillary Duties:

• Cooperate with other members of department to achieve department goals
• Cooperate with employees of other departments to provide quality service, solve problems and achieve company goals

Education, Training and Requirements:

• Associate’s Degree or equivalent work experience required
• Specialized banking and lending education and training required
• Superior degree in business, finance, banking or accounting is preferred
• All applicants must be 18 years of age or older

Skills:

• Highly organized and extremely motivated
• Excellent interpersonal and communicative skills
• Excels at working independently
• Results driven decision maker
• Proficiency in reading, writing and grammar
• Strong analytical and mathematics skills
• Familiarity with general real estate lending policies and procedures
• General knowledge of underwriting requirements to comply with regulations and investor guidelines
• Knowledge of Encompass LOS, preferred
• Consistently demonstrate Company core values:  integrity, teamwork, excellence, and humility

Experience:

• Minimum 3 years of banking (preferably mortgage loan) experience preferred; however, applicants with a secondary education in finance, accounting or business may be considered

Other:

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). Exceptions to this requirement will be made on a case by case basis and may require reassessment of level.

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.