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About the Role
Community Financial System, Inc. (CFSI) is dedicated to providing friendly, personalized, high-quality financial services. Our retail division, Community Bank, N.A., operates over 200 facilities and offers a range of financial services including commercial banking, wealth management, and insurance. We are committed to our employees' long and successful careers by offering competitive compensation, great benefits, and professional development opportunities.
Responsibilities
- Understand, comprehend, and maintain compliance with all laws and regulations such as TILA-RESPA, ATR/QM, and HMDA.
- Independently review and evaluate applications for all products to determine applicant credit worthiness and ensure compliance with bank, government agency, and secondary market investor requirements.
- Review loan applications and supporting documentation (e.g., financial statements, employment history) to assess borrower credit worthiness and ensure adherence to product guidelines and regulations.
- Adhere to Bank QC timing requirements.
- Review and provide corrective action on findings to management regarding problem loan applications.
- Review closing documents to ensure regulatory compliance and follow up with loan officers and/or bank attorneys for any necessary corrections.
- Review LE and CD for RESPA compliance.
- Prepare loans for the closing table.
- Review flood files.
- Participate in procedure writing.
- Maintain proficient knowledge of and demonstrate ongoing compliance with all applicable laws and regulations, policies, procedures, and internal controls, and complete all training requirements in a timely manner.
- Cooperate with other department members to achieve departmental goals.
- Cooperate with employees of other departments to provide quality service, solve problems, and achieve bank goals.
Requirements
- Associates Degree or equivalent mortgage processing experience or legal office real estate closing experience required.
- Proficient reading, writing, grammar, and mathematics skills.
- Ability to analyze and interpret income, assets, and credit.
- Ability to work under pressure and effectively under time constraints.
- Good written and verbal communication skills.
- Research and problem-solving skills.
- Proficient in Microsoft Word and Excel.
- All applicants must be 18 years of age or older.
Skills
- TILA-RESPA
- ATR/QM
- HMDA
- Microsoft Word
- Microsoft Excel
Location
- Upstate New York
- Northeastern Pennsylvania
- Vermont
- Western Massachusetts
Work Type
- Full-time
Experience Level
- Two (2) years Mortgage experience preferred
Education Level
- Associates Degree
Salary/Compensations
- USD $19.00/Hr.
- USD $25.60/Hr.
Benefits
- 11 paid holidays
- Paid vacation
- Medical insurance
- Vision insurance
- Dental insurance
- 401K with generous match
- Pension
- Tuition Reimbursement
- Banking discounts
About the Company
- Community Financial System, Inc. (CFSI) is 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.
- We are committed to our employees' long and successful careers here at CFSI, offering competitive compensation, great benefits, and professional development and advancement opportunities.
Equal Opportunity
- 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.
- The Company 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.
- 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.