Loan Specialist

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.

Responsibilities:

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

Essential Responsibilities:

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

Ancillary Duties:

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

Qualifications:

Education, Training and Requirements:

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

Skills:

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

Experience:

Minimum of two (2) years’ experience in a related field required

Minimum of one (1) year of lending or underwriting experience highly preferred.

Min:

USD $21.75/Hr.

Max:

USD $30.50/Hr.

Other Job Information:

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.

Community Bank System, Inc. 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.

Community Bank System, Inc. 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:

Permanent