Direct Lending Loan Specialist 1 Job at Community Bank System, Inc.
Overview:
Essential Responsibilities:
Ancillary Duties:
Qualifications:
Skills:
Experience:
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:
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, underwriting, and funding Consumer loans to help grow CBNA's online loan portfolia and expand the company's online presence.
Essential Responsibilities:
- Review Consumer loans (which may include bankd-wide employee loans) via the Consumer Loan Origination System for quality assurance, adherence to compliance policies, regulatory polices (such as Fair Lending) underwriting, policies, and documentation requirements
- Perform credit analysis and investigations as outlined in bank policy and procedures
- Communicate loan decisions to customers in a timely manner as well as process/issue loan proceeds for approved loan requests
- Review exceptions and collaborate with supervisor and/or management to resolve
- Assist Supervisor(s) with testing loan system updates
- Assist Supervisors(s) with testing Loan Origination System updates
- Assist Supervisor(s) with updatingand creating procedures as needed
- Provide periodic reports to Supervisor(s)
- 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
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 and computer skills
- Proficient interpersonal relations and communicative skills
- Adaptable
- Flexible and understanding of change
- Positive attitude with lever-headed approach
- Creative thinker and problem solver
- 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 position or field/industry required
Hours: 40 hours/week; Monday through Friday 8:00 - 4:30; may be required to work nights, weekends and some 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.
An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
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