Loan Operations - Consumer Document Review Representative 1

Community Financial System, Inc. • Olean, NY

1d

About The Position

The Loan Operations Consumer Document Review Representative 1 reviews and onboards loan and collateral documentation to ensure accuracy, regulatory compliance, adherence to internal policies and lending guidelines, and protection of the Bank’s security interests. The role onboards loans from various Loan Origination Systems into Community Bank’s core operating system, Jack Henry & Associates’ Xperience, and supports accurate loan boarding and collateral management. The representative identifies and resolves documentation exceptions and related issues.

The position also supports the Loan Operations Department through collaboration, assistance with process improvements, adaptation to new tools and processes, and other assigned duties. The role requires ongoing compliance with applicable laws, regulations, policies, procedures, internal controls, and job-specific training requirements.

Requirements

• High school diploma or GED.
• Strong attention to detail and proven organizational and analytical skills.
• Ability to multitask and stay highly organized.
• Ability to prioritize and work effectively under time constraints.
• Above-average written and verbal communication skills.
• Basic to intermediate computer skills.
• Proficiency in Microsoft Excel and Word, including the ability to create and manipulate data.
• Problem-solving skills and ability to research and resolve issues independently.

Nice To Haves

• Associate degree in a business-related field or equivalent work experience.
• At least one year of banking experience.
• Knowledge of lending products and services.
• Working knowledge of documentation required to onboard loans in the applicable loan portfolio.

Responsibilities

• Review loan documentation and verify new loan information in the system for accuracy and adherence to regulatory requirements, internal policies, and procedures; refer major violations to the supervisor.
• Identify and issue exceptions for calculation errors, missing documentation, and documents requiring correction.
• Ensure contract figures, disclosures, signatures, and documentation are accurate for the loan type.
• Review insurance applications and health questions, verify coverage eligibility, and identify and document calculation errors or missing documentation.
• Enter new or updated data for renewals and modifications directly into the core system.
• Process cross-applications in the core system to move funds and fees to the appropriate general ledger during onboarding.
• Process maintenance items submitted internally by Loan Operations or by other departments.
• Review general ledger outages and process the appropriate cross-applications or maintenance to clear them.
• Review and verify auto transfer forms in the system for accuracy.
• Configure documents for access in computer programs used by the Department.
• Maintain knowledge of and comply with applicable laws, regulations, policies, procedures, and internal controls, and complete job-specific training on time.
• Review loan files to ensure proper documentation is obtained for collateral perfection.
• Submit and track electronic lien filings (FDI) and UCC filings (I-Lien), ensuring timely and accurate processing.
• Research and resolve onboarding and collateral-related issues.
• Assist the Loan Operations Department and the Bank in achieving annual goals.
• Collaborate with internal teams to support smooth loan operations and regulatory compliance.
• Assist with process improvement initiatives to improve loan onboarding and collateral management efficiency.
• Take ownership of performance, development, and continuous improvement; adapt positively to change and support new tools, processes, and initiatives.
• Perform other duties as assigned to support the Loan Operations Department and the Bank.

Benefits

• 11 paid holidays
• Paid vacation
• Medical insurance
• Vision insurance
• Dental insurance
• 401(k) with generous match
• Pension
• Tuition reimbursement
• Banking discounts
• Potential for an annual merit increase

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED