Wealth Management Liability Consultant

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

The Wealth Management Liability Consultant serves as a strategic balance sheet and lending consultant supporting the integrated wealth management platform of Nottingham Financial Group, including:

• Nottingham Investment Services - A team of 30 Financial Consultants (partnered with LPL Financial as Broker Dealer).
• Nottingham Trust - 20 Trust Officers providing fiduciary and estate planning services.
• Nottingham Advisors - The Asset Management Group, which manages portfolios for high-net-worth (HNW) individuals and institutional clients.

This highly experienced professional will act as the primary lending strategist and credit advisor across all three business lines, providing customized, client-centric lending and balance sheet solutions that complement the firm’s holistic wealth management approach.

The ideal candidate possesses deep knowledge of private banking, credit structures, and wealth lending products — along with full securities licensing and demonstrated experience collaborating within a multi-disciplinary wealth team environment.

Essential Duties:

Lending and Balance Sheet Consultation

• Serve as the firm’s subject matter expert on lending and credit strategy, delivering personalized liability management advice to HNW individuals, business owners, and institutional clients.
• Design and recommend comprehensive balance sheet solutions integrating both sides of the client’s financial statement — assets and liabilities.
• Advise on and structure lending solutions across a range of products, including:
  • Securities-Based Lending (SBL)
  • Residential and Jumbo Mortgages
  • Specialty Asset Financing
  • Custom Credit Facilities for HNW and

Institutional Clients

Partnership and Collaboration

• Partner closely with Financial Consultants (LPL-affiliated) to identify and execute credit opportunities that enhance the overall wealth plan and deepen client relationships.
• Collaborate with Trust Officers to provide liquidity and lending solutions for trust clients and estate planning strategies.
• Work in tandem with Portfolio Managers and the Asset Management Team to develop liability strategies that align with investment objectives, cash flow needs, and risk tolerance.
• Serve as an internal resource, trainer, and consultant for credit strategy education across the wealth platform.
• Liaise with internal banking partners and external credit providers to ensure efficient execution, competitive pricing, and adherence to policy standards.

Client Engagement and Relationship Management

• Participate in joint client meetings alongside Financial Consultants and Relationship Managers to deliver comprehensive balance sheet advice.
• Proactively identify and originate lending opportunities to support client acquisition and retention.
• Deliver high-touch, consultative service tailored to HNW and institutional client needs.
• Maintain strict adherence to regulatory and compliance standards across lending and securities activities.

Strategic and Leadership Contributions

• Support the President & Program Leader in developing firmwide credit strategy and balance sheet management initiatives.
• Contribute to cross-functional projects aimed at integrating lending capabilities with investment, trust, and advisory functions.
• Serve as a thought leader on credit market trends, risk management, and interest rate environment impacts.
• Help shape and refine the firm’s advisor training and lending enablement programs

Qualifications

Education, Training, Experience, and Skill Requirements:

Requirements:

• Education: Bachelor’s degree in Finance,
• Economics, Business, or related field required; MBA or advanced degree preferred.
• Licensing:
  • FINRA Series 7 and 66 (or 63 & 65) required.
  • NMLS registration preferred (for mortgage-related activities).

Experience:

• Minimum 10+ years in private banking, wealth lending, or credit advisory roles serving high-net-worth and institutional clients.
• Proven track record developing customized credit solutions and collaborating with financial advisors, trust professionals, and portfolio managers.
• Deep understanding of credit analysis, collateral structures, and risk mitigation strategies.
• Strong communication and presentation skills; ability to articulate complex lending concepts clearly to advisors and clients.
• Familiarity with LPL Financials platform or similar independent broker/dealer environments strongly preferred.
• High ethical standards, collaborative mindset, and commitment to a fiduciary culture.

Core Competencies

• Strategic Advisory Skills – Ability to integrate credit strategy into comprehensive wealth planning.
• Collaboration & Influence – Effective working across business lines and with external partners.
• Client-Centric Mindset – Commitment to delivering value through holistic advice and exceptional service.
• Financial Acumen – Deep knowledge of complex lending products and credit market dynamics.
• Regulatory Awareness – Understanding of securities and lending compliance requirements.
• Leadership – Ability to educate, mentor, and elevate the credit literacy of the advisory team.
• All applicants must be 18 years of age or older.