Assistant Mortgage Loan Consultant

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.

• Supports the Mortgage Loan Consultant in soliciting quality loan applicants through various methods and media.
• 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.
• 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.
• In support of the originating MLC, may inform customers of the institution's loan programs, underwriting guidelines and applicable government regulations.
• Prepares and maintains applications and manages application documents.
• Prepares Loan Estimates in compliance with regulatory guidelines and bank policy.
• Answers incoming inquiries, written or otherwise, and satisfies those inquiries, or consults with the Mortgage Loan Consultant to satisfy the inquiry if applicable.
• Maintains and fosters relationships with realtors, attorneys, appraisers, applicants, and Mortgage Processing personnel.
• May attend loan closings on behalf of the MLC.
• Processes final documentation and loan tickets to initiate the booking process.
• 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.
• 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.
• Performs other related duties as assigned or directed.

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.