Consumer Lending Specialist – Compliance & Analysis

Community-Financial-System,-Inc.; City of Olean (NY); On-site; USD 30,000 - 42,000; Full time

Benefits offered by this job

11 paid holidays

Paid vacation

Medical insurance

Vision insurance

Dental insurance

401K with generous match

Pension

Tuition Reimbursement

Banking discounts

Job summary

Community Financial System, Inc. (CFSI) seeks a Lending Specialist to review consumer loans for compliance and quality assurance, using the Consumer LOS and various loan platforms. You will perform credit analysis, communicate decisions to customers, and support daily Direct Lending operations.

Ideal candidates have 2+ years in a related field, 1+ year in lending or underwriting, and strong attention to detail with an ability to adapt to regulatory requirements and cross-functional collaboration.

Qualifications

• High School Diploma or GED required.
• Associates degree in a related field strongly preferred.
• Minimum of two (2) years’ experience in a related field required.
• Minimum of one (1) year of lending or underwriting experience highly preferred.

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.

Skills

Attention to detail

Reading & writing

Interpersonal skills

Adaptable

Communication skills

Team player

Work ethic

Problem solving

Education

High School Diploma or GED

Associates degree in related field

Job description

Community Financial System, Inc. (CFSI) seeks a Lending Specialist to review consumer loans for compliance and quality assurance, using the Consumer LOS and various loan platforms. You will perform credit analysis, communicate decisions to customers, and support daily Direct Lending operations.

Ideal candidates have 2+ years in a related field, 1+ year in lending or underwriting, and strong attention to detail with an ability to adapt to regulatory requirements and cross-functional collaboration.