Business Banking Loan Documentation Specialist; On-Site

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 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.

Interpret and process Business Banking loan applications using the Next Gen digital platform in a highly accurate and timely manner. Utilization of credit memo, approval, commitment letter and credit file information to properly prepare loan closing documentation. Manage personal workload to complete assignments in a timely manner and achieve departmental goals.

• Prepare commitment letters and loan closing documents, including real estate and non‑real estate loans, in accordance with approvals and bank loan policy.
• Establish pre‑closing checklists for tracking of approval conditions.
• Understand and interpret loan application information, credit files and loan approvals.
• Interpret credit files and loan approvals in order to prepare commitment letters, as well as order, collect and track mortgage due diligence information necessary prior to closing and the preparation of loan, closing documents in an accurate and timely manner.
• Knowledge of loan application requirements in order to identify missing information from the loan package.
• Coordinate and communicate with Lenders and Branch Managers to ensure follow up and receipt of all required materials relative to BB loan submission.
• Assist in maintaining BB Department mailboxes to include resolution or response to inquiries sent.
• Provide exemplary customer service to both internal and external customers in an effort to achieve departmental 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.
• Administration of Business Banking Loan Credit Files and record retention.
• Provide back‑up to Specialists as needed.
• Other duties as requested.

Education/Training:

• Associate's Degree or equivalent in a business field of study (finance, management, economics, accounting) or equivalent related experience with minimum of 2+ years Lending/Credit/Loan Documentation.
• All applicants must be 18 years of age or older.

Skills:

• Proficient reading, writing, grammar, and mathematic skills.
• Strong interpersonal and communication skills (both verbal and written).
• Strong attention to detail and proven organization skills.
• Superior customer service skills.
• Ability to review and interpret credit approval information.
• Comprehensive understanding of commercial loan documents, processes and collateral perfection.
• Understanding of financial statement composition with ability to interpret and connect financial data from various sources.
• Knowledge of Microsoft Word and Excel.
• Next Gen and Laser Pro knowledge a plus.

Experience:

• Minimum 2 years of experience in lending/credit analysis environment, paralegal and/or commercial construction monitoring experience a plus.
• General knowledge of Commercial Lending Policies, Procedures and Products.

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…