Direct Lender ; or higher

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.

This position has designated lending authority and is responsible for reviewing Consumer loans for compliance.

• Review Consumer loans via the Consumer LOS for quality assurance, adherence to compliance policies, regulatory polices (such as Fair Lending) underwriting, policies, and documentation requirements
• Review Consumer loans (including bank-wide employee loans) via the various Consumer loan platforms
• Perform credit analysis and investigations as outlined in bank policy and procedures
• Communicate loan decisions to customers in a timely manner
• Review exceptions and collaborate with supervisor and/or management to resolve
• Assist Supervisor(s) with testing loan system updates
• Assist Supervisors(s) with daily operations as they pertain to Direct Lending
• Assist Supervisor(s) with updating procedures as needed
• Provide periodic reports to Supervisor(s) and/or management
• Provide quality service to customers (internal and external), coworkers and management
• Comply with operating policies and procedures to maintain adequate controls and to ensure the Bank’s adherence to outside regulatory agencies
• Assist with and absorb additional Direct Lending related functions resulting from a merger/acquisition
• Actively cross-sell other bank loan and deposit products
• Perform other duties as assigned or directed
• Maintain proficient knowledge of laws and regulations; demonstrate ongoing compliance with all laws and regulations applicable to position; ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely manner

• May 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

• High School Diploma or GED required
• Associates degree in a related field of study strongly preferred
• May be required to work nights, weekends and holidays
• Valid driver’s license
• All applicants must be 18 years of age or older.

• Keen attention to detail
• Proficient reading, writing, grammar and mathematical skills
• Proficient interpersonal relations and communicative skills
• Adaptable
• Flexible and understanding of change
• Positive attitude with lever-headed approach
• Creative thinker
• Collaborative
• Team player
• Good work ethic
• Ability to manage responsibilities well
• Able to maintain focus within an open floor plan office setting consisting of simultaneous professional conversations

• Minimum of two (2) years’ experience in a related field required
• Minimum of one (1) year of lending or underwriting experience highly…