Digital Mortgage Loan Officer

Community Financial System, Inc.•City of Olean, NY

6h•$25 - $38

About The Position

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. As a member of the Retail Banking Team, the Mortgage Loan Officer (MLO) is responsible for timely review and evaluation of mortgage loans and pre-qualification requests from our online portals to meet individual and department production goals. MLOs also accept applications outside of the online portals through non-face-to-face methods such as via mail and telephone. The MLO is responsible for gathering and analyzing all information to meet regulatory guidelines to maintain file from origination to closing.

Requirements

Associate’s Degree or equivalent work experience required
Specialized banking and lending education and training required
All applicants must be 18 years of age or older
Highly organized and extremely motivated
Excellent interpersonal and communicative skills
Excels at working independently
Results driven decision maker
Proficiency in reading, writing and grammar
Strong analytical and mathematics skills
Familiarity with general real estate lending policies and procedures
General knowledge of underwriting requirements to comply with regulations and investor guidelines
Consistently demonstrate Company core values: integrity, teamwork, excellence, and humility
Minimum 3 years of banking (preferably mortgage loan) experience preferred; however, applicants with a secondary education in finance, accounting or business may be considered
This position requires National Mortgage Licensing System (“NMLS”) registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Exceptions to this requirement will be made on a case by case basis and may require reassessment of level.

Nice To Haves

Superior degree in business, finance, banking or accounting is preferred
Knowledge of Encompass LOS, preferred

Responsibilities

Interview applicants via remote means to establish or enhance a lending relationship
Act as the customer’s point of contact and information source from the application through booking process
Inform customers of the institution’s loan programs, underwriting guidelines and applicable government regulations
Assist customers in completing pre-qualification requests for real estate lending
Collect and analyze pertinent information regarding income, assets, debts and credit data in order to complete a residential loan application
Thorough expertise in product knowledge, assist the customer in determining which products best meet their individual needs and financial circumstances
Gather and submit the required documentation for loan decision
Render loan decisions, communicate approvals, denials and counter-offers to the applicant while maintaining strict confidentiality of critical customer financial information
Actively participate in ongoing training and education as directed by Manager
Ensure exceptional customer service, both internal and external, by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements
Demonstrate a commitment to professional ethics and comply with all Federal and State compliance policies
Adhere to established operating policies and procedures in order to maintain adequate controls and to support the Bank’s compliance to outside regulatory requirements
Maintain responsibility for the loan file and documentation through processing, underwriting, closing and post-closing by following the transaction through to its conclusion
Complete annual training requirements pertaining to Federal and State laws/regulations on or before due dates and attend in-hour training pertaining to sales, service and technology throughout the year
Perform other related duties as assigned or directed
Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner
Cooperate with other members of department to achieve department goals
Cooperate with employees of other departments to provide quality service, solve problems and achieve company goals