Direct Lender 1 (or higher with required experience)

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

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.

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
• All applicants must be 18 years of age or older.

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 ethicAbility 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.

Other Job Information

Hours: 40 hours/week; Monday-Friday 8:00-4:30; may be required to work nights, weekends and Holidays

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.

The Company is an Aff…

The Company 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.

Minimum

USD $21.75/Hr.

Maximum

USD $30.50/Hr.