Mortgage Disclosure Representative (Temporary Position)

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.

This position is responsible to understand, comprehend, and maintain with all laws and regulations such as TILA-RESPA. Be proficient in all loan products offered and able to prepared required disclosures.

Essential Responsibilities

• Analyze applications and supporting qualifying documents submitted by Loan Officer for clerical errors
• Verify initial information into Encompass to create an electronic loan file for Portfolio Mortgage products offered by consumer real estate loan products and ensure guidelines are met
• Prepare and issue loan estimate documents in compliance with various regulations
• Prepare and issue revised disclosures
• Prepare verifications and appropriate letters for attorneys and appraisers
• Order services associated with loan
• Participates in writing procedures
• Use of external site to assist with information needed
• Other jobs or duties as 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

Education, Training and Requirements:

• High School Diploma or GED required
• Associates Degree or Bank experience preferred
• All applicants must be 18 years of age or older

Skills:

• Strong attention to detail
• Proven organizational and analytical skills
• Ability to prioritize and work effectively under time constraints
• Good written and verbal communication skills
• Research and problem solving skills
• Proficient in Microsoft Word and Excel

Experience:

• Two (2) years of office experience is preferred

Hours: 40 hours/week (Temporary Assignment - Up to Approximately 12 weeks)

Compensation: Commensurate with experience.

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.