Business Banking Lending Specialist

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

Interpret and process Business Banking loan applications using the NextGen digital platform in a highly accurate and timely manner. Utilization of numerous resources to verify Applicant data and total banking relationships with CBNA. Manage personal workload to complete assignments in a timely manner and achieve departmental goals.

• Understand and interpret loan application, credit files and loan approvals.
• Knowledge of loan application requirements in order to identify missing information from the loan package and create tracking items.
• Coordinate and communicate with Lenders and Branch Managers to ensure follow up and receipt of all required materials relative to the BB loan submission.
• Track applications to ensure that compliance to Reg B standards are being maintained. Prepare and send incomplete letters as needed.
• Research potential borrowers on various governmental websites for business and collateral filings and document to the file.
• Interpret cred files and loan approvals in order to prepare commitment letters.
• Order and track mortgage due diligence information necessary prior to closing.
• Assist in maintaining BB Department mailboxes to include resolution or response to inquiries sent.
• Provide exemplary customer service to both internal and external customers in an effort to achieve departmental goals.
• 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 job-specific training requirements.
• Administration of Business Banking Loan Credit Files and record retention.
• Other duties as required.

Qualifications

Education:

• Associates Degree in Business or in a business-related field of study with Lending/Credit related experience.
• All applicants must be 18 years of age or older.

Skills:

• Proficient reading, writing, grammar and mathematic skills
• Proficient interpersonal and communication skills (both verbal and written)
• Understanding of financial statement composition with ability to interpret, analyze and connect financial data from various sources
• Comprehensive understanding of commercial loan documents, processes and collateral perfection
• Ability to review and interpret credit approval information
• Strong organizational skills; knowledge of Microsoft Word and Excel.
• NextGen experience a plus.

Experience:

• Minimum of 2 years bank experience related to lending and/or credit analysis function.
• General knowledge of Commercial Lending Policies, Procedures and Products.