Indirect Lender 1 (or higher with required experience)

Job Description

Job Description

Overview

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.

Responsibilities

This position has entry level lending authority to purchase credits in a timely, effective manner and communicates the credit decisions (approvals, conditions, declines or pending) to dealers in a professional manner. Will be responsible to support the business development team with the development and activation of new dealer relationship and continually maintains a healthy bank/dealer relationship through verbal sale calls. Will resolve dealer problems and complaints; and inform department manager and other senior lenders of the competitive environment & dealership relations. 

Essential Responsibilities:

• Will perform credit analysis/investigations as outlined in company policy and procedures 
• Based on lending authority will communicate credit decisions to dealers
• Will work in unison with the business development team to build and strengthen dealership relations and work in conjunction with management to recommend and/or develop new programs for dealerships
• May join business development team to make in-person sales calls on occasion 
• Responsible for providing a high level of customer service to include quoting loan payoffs, contract figures and dealer reserve information
• Responsible to obtain missing information on credit applications in processing status
• Handle dealership/customer issues and complaints
• May investigate and support the business development team to resolve dealer inadequacies in an effort to protect the company’s assets
• Actively cross-sell other company loan and deposit products/services and participate in the sales culture of the department by taking a pro-active approach with contacting dealerships to solicit business
• 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 Indirect Lending Department, this position is also responsible to provide assistance wherever necessary to help the Indirect Lending Department and the Company in achieving their annual goals.

Qualifications

Education/Training/Requirements:

• Minimum of Associates Degree required
• B.S. or B.A. degree in a related field of study preferred
• History of specialized training in sales and/or marketing
• Valid driver’s license
• All applicant must be 18 years of age or older

Skills:

• Strong sales, interpersonal and communication skills
• Proficient reading, writing, grammar, and math skills
• Thorough knowledge of the features and benefits of all indirect loan products and services offered with general knowledge of current lending regulations
• Working knowledge of bank operating services
• Moderate computer skills
• Consistently demonstrate the Company’s core values; integrity, excellence, teamwork, and humility

Experience:

• Minimum of three (3) years' experience in a related lending or dealer services field normally required.