Indirect Loan Discounter

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 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

As a Discounter, this position necessitates someone who is highly dependable, good with details, has strong retention abilities and works well in a fast-paced environment individual and in a team environment. This position will be responsible for providing a high level of customer service to our dealer base, ensure submitted contract packages are complete and accurate according to the Indirect Department and Bank policy/guidelines for funding.

Essential Responsibilities:

• Cooperates and builds a strong working relationship with peers to provide quality service, solve problems and achieve bank and departmental goals
• Ensures submitted contracts and loan packages are complete, accurate and reflect proper approval authorities in adherence to Indirect Department and Bank policy/guidelines
• Closely inspects loan documents for suspicious or fraudulent documentation
• Ensures the accuracy of contract figures, disclosures, signatures and documentation for contract funding
• Identifies errors in calculations and/or missing documentation; work with dealership for correction and help maintain department exceptions
• Refers major loan violations to Supervisor/Manager for review
• Provides quality service to customers, whether internal or external
• Maintains logs and spreadsheets used within the department
• Maintains 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 in a timely fashion
• Performs other related duties as assigned or directed

Ancillary Duties:

• Performs data entry functions such as entering information into the Indirect loan origination system from applications sent by dealerships and providing payoff or account information as needed to provide Indirect Lending services to our dealer base and customers.
• As an integral member of the Indirect Department, this position is also responsible to provide assistance wherever necessary to help the Retail Banking Department and the Bank in achieving their annual goals.

Qualifications

Education, Training and Requirements:

• High School diploma or GED required
• Associates Degree or equivalent in work experience preferred
• All applicants must be 18 years of age or older

Skills:

• Proficient reading writing, grammar and mathematics skills
• Proficient interpersonal relations and communicative skills
• Good time management skills
• Ability to prioritize and work effectively under time constraints
• Moderate computer and typing skills to include Microsoft Word/Excel
• Must be able to consistently demonstrate the Company's core values; integrity, teamwork, excellence and humility

Experience:

• Two (2) to four (4) years of banking experience is preferred with knowledge of the Bank's lending products and services. Ideal candidate would also have a working knowledge of the required documentation for all loan types.

Other Job Information

Hours: 40 hours/week with rotating shifts to include some Holidays and Saturdays

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.

Minimum

USD $17.50/Yr.
Maximum

USD $23.82/Yr.