Retail Lending Specialist

The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Retail Lending team as:


Retail Lending Specialist

This opportunity may be perfect for you if you have experience in:

> Thorough knowledge of Consumer Lending Regulations

> Strong Verbal and Written Communication

> Solid Organizational skills with the ability to multi-task

> Ability to Collaborate with cross-functional teams

About this position:

The Retail Lending Specialist is responsible for processing Home Equity loan requests originating from our branch network's retail lending staff and managers. Will analyze supporting documentation and make appropriate decision recommendations which comply with Loan Policy and follow regulatory guidelines.

Essential Job Functions:

> Analyze loan applications and supporting documentation to make informed recommendations for loan requests originating in branch system or through walk-in and telephone requests or referrals

> Comply with established operating policies and procedures in order to maintain adequate controls and to support the Company's adherence to outside regulatory requirements.

> Maintain appropriate records, loan files and documentation to meet Company and regulatory requirements.

> Assist with report generation, preparation of closing documents, communication of closing contingencies, review of legal opinion letters, and workflow coordination.

> Maintain major policy exception file and prepare quarterly Loan Quality Exception and Statistical reports in an accurate and timely manner.

> Provide support, and guidance to Retail Lending staff on lending process and regulations; stay up-to-date on policy changes, procedure updates, and regulatory requirements; share knowledge with Retail Lending staff and others as appropriate.

> Coordinate work within department to ensure timely delivery of service to external customers as well as other departments. Provide periodic updates on workflow to manager and lending team.


> Keep current on lending regulations, operating policies and procedures, and Company lending products and services; participate in training as appropriate.


What you will need to thrive in this role:

In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having:


Education/Certifications:

> High School Diploma or equivalent experience required

> 2 years of experience in an administrative role or business environment preferred

Skills/Knowledge:

> Thorough knowledge of consumer lending regulations; familiarity with procedures and policies impacting consumer loan servicing preferable

> Proficient in Microsoft Office including: Word, Excel, and Outlook; knowledge of lending-related software a plus

> Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management and other third parties

Physical Demands and Work Environment:

> Ability to remain in a stationary position, often standing, for prolonged periods of time

> Ability to repetitively use a telephone, computer mouse, and keyboard for extended durations

> Ability to move, lift, carry cash bags, coin boxes, and branch equipment up to 30 pounds

> Travel to various branches as needed; travel can be completed by car, public transportation, or other reasonable means. Ability to travel is required to maintain client relationships and support business objectives.

> Ability to participate in rotational Saturday schedule to provide branch support

Reasonable accommodation will be provided as required by law to enable qualified individuals to perform the essential functions of the job.

What we will bring to the table:

We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring:

> Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays

> Medical, Dental, and Vision Insurance and Flexible Spending Plan

> Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership

> Education and Tuition Reimbursement

> Employee Assistance Program for our employees and their immediate family members

We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans.

We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation's leading publications and bank-rating firms.

The salary range for this position is $20.00-$23.00 an hour commensurate with experience and education. Additional compensation may be earned through the Company's annual bonus program, subject to individual and company performance.

L1-st1