Direct Lending Representative/Lender

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 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.

This position will have a designated lending authority and would be responsible for communicating credit decisions to our branch representative.

Essential Responsibilities:

• Communicate credit decisions to customers and perform credit analysis/investigations as outlined in the bank's policy and procedures
• Provides step-up authority to Direct Loan Representative I employees and DLR II employees with lesser authority
• Will have lending authority and underwriting responsibilities for employee consumer loans requests
• Assist Supervisor(s) in daily operations as they pertain to Direct Consumer Lending
• Provide periodic reports to Supervisor(s)
• Assist Supervisor(s) with updating procedures as needed
• Actively cross-sell other bank loan and deposit products
• Assist with and absorb additional Direct Consumer Loan related functions resulting from a merger/acquisition
• Provide quality service to customers (internal and external), coworkers and management
• Comply with established operating policies and procedures in order to maintain adequate controls and to support the Bank’s adherence to outside regulatory agencies
• 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 pertinent policies, procedures, and internal controls, and meet all training requirements in a timely manner

Ancillary Duties:

• 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 related field of study or two (2) years’ experience in a related field preferred
• All applicants must be 18 years of age or older

Skills:

• Proficient reading, writing, grammar and mathematical skills
• Proficient and professional interpersonal relations and communicative skills
• Adaptable and flexible with an understanding of change
• Positive attitude with a level-headed approach
• Creative thinker, collaborative and team player
• Dedicated work ethic
• Must be able to consistently demonstrate the Company’s core values; integrity, excellence, teamwork and humility

Experience:

• Minimum of five (5) years' experience in lending is normally required

Hours:  Monday-Friday 8:00-4:30, overtime and Saturdays may be required

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.

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.

Salary : $23 - $35