BankOnBuffalo, Mortgage Lending Officer, Hybrid

CNB Financial Corporation•Buffalo, NY

4d•Hybrid

About The Position

The Mortgage Lending Officer supports Senior Retail Lenders and divisional leadership by providing guidance on mortgage products, pricing and complex loan structures, including construction lending. This role provides direction and support to the Mortgage Business Analyst, LOS Administrator, and Senior Mortgage Underwriter, ensuring alignment across lending, underwriting, and secondary market requirements. This role is also responsible for ongoing seller/servicer eligibility through coordination with investor and compliance partners.

Requirements

A high school diploma or general education degree (GED) is required
5+ years of experience
Extensive knowledge of Investor guidelines and Regulatory requirements.
Ability to read, comprehend, and interpret documents.
Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization.
Ability to communicate to clients directly and effectively.
Ability to utilize telephone systems and possess good digital literacy including email, internet and intranet use.
Prior experience and proficiency of LOS systems such as Empower, including reviewing complete electronic loan files, tracking conditions, documenting underwriting decisions, and managing workflow efficiently.
Ability to add, subtract, multiply, and divide in all units of measure.
Demonstrates advance mathematical aptitude to accurately calculate and analyze loan-to-value, debt-to-income ratios across a full range of loan types and borrower profiles.
Applies strong financial analysis and judgement to assess risk, identify compensating factors, and support sound credit decisions within investor and regulatory guidelines.

Nice To Haves

Mortgage Products & Structuring Expertise- Demonstrates advance knowledge of mortgage products, pricing and complex loan structures to support sound, compliant lending decisions.
Functional Leadership & Alignment- Provides effective direction and support to key mortgage support functions to ensure consistent alignment across lending, underwriting, and secondary market requirements.
Secondary Market Governance- Maintains secondary market readiness by ensuring ongoing seller/servicer eligibility and coordinating effectively with investor and compliance partners.

Responsibilities

Provide product, pricing, and loan-structure guidance
Provide direction and functional oversight to Mortgage Business Analyst, LOS Administrator and Senior Mortgage Underwriter
Compliance & Regulatory Adherence
Serve as a liaison across lending, underwriting and compliance
Monitor and support secondary market readiness
Identify process, system, or policy improvement opportunities
Provide strategic oversight and leadership for all mortgage lending functions across Portfolio, Agency and Home Equity Lending.
Drive consistency through clear policies, procedures, and escalating pathways.
Establish lending standards that align with institutional risk appetite while supporting responsible loan growth.
Act as final or designated credit authority for complex, high-risk, or policy exception requests.
Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross functional opportunities that foster growth and learning.

Benefits

Medical, Dental, Vision & Life Insurance
401K with company match
Paid Time Off & Recognized Holidays
Leave policies
Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
Employee Assistance Program
Employee Health & Wellness Program
Special Loan and Deposit Rates
Gradifi Student Loan Paydown Plan
Rewards & Recognition Programs and much more!