Mortgage Loan Consultant

Overview

At Community Financial System, Inc. (CFSI), we provide high‑quality financial services across retail, commercial, wealth management, investment, insurance, and risk management sectors. Our Community Bank, N.A. operates more than 200 customer facilities in Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts.

As a member of the Retail Banking Team, the Mortgage Loan Consultant originates mortgage loans to meet individual and department production goals.

Responsibilities include:

• Grow Your Pipeline – Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources.
• Close More Deals – Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing.
• Be the Go‑To Expert – Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies.
• Deliver White‑Glove Service – Conduct personalized consultations in‑office or at convenient locations to ensure a seamless borrowing experience.
• Maximize Cross‑Selling Opportunities – Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management.
• Own the Loan Process – Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding.
• Stay Ahead of the Market – Keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor.
• Make an Impact – Represent the bank at local business and community events, delivering exceptional value and building brand awareness.
• Drive Compliance & Excellence – Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensuring adherence to policies, procedures, and internal controls, and meeting all training requirements in a timely manner.
• Perform other related duties as assigned or directed.

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

• Education:
  
  An Associate’s degree or equivalent preferred;
  High School Diploma or GED required.
• Specialized Banking and lending education and training.
• Valid driver’s license.
• All applicants must be 18 years of age or older.
• Minimum 3+ years of experience in a professional sales environment in financial services.
• NMLS registration under the SAFE Act is required; candidates who do not currently hold NMLS registration must obtain and maintain registration upon hire.
• Active NMLS registration under The SAFE Act.
• Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities.
• Strong relationship‑building skills and the ability to generate referrals and new business opportunities.
• Understanding of mortgage products, underwriting guidelines, and regulatory requirements.
• Willingness to embrace new ideas, share perspectives, and participate in ongoing sales coaching and mentorship.
• Consistent demonstration of the company’s core values:
  Integrity, Excellence, Teamwork, and Humility.

As part of onboarding, Community Bank provides exclusive access to MBA Education’s School of Loan Origination (SOLO), an instructor‑led program covering accurate loan applications, credit evaluation, loan products and pricing, transaction structuring, real‑world case studies, and strategies to grow business while serving the community.

• Hours:
  
  40 hours/week.
• Compensation:
  Consistent hourly pay complemented by a lucrative commission structure. Minimum and maximum hourly rate: USD $19.23/hr.
• Benefits include 11 paid holidays, paid vacation, medical, vision, dental insurance, 401(k)…