Real Estate Underwriter (On-Site)

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, ATR/QM, HMDA.  Independently responsible to review and evaluate applications for all products offered and determine credit worthiness of applicant and ensure meets requirements of bank, government agencies and secondary market investors. 

Essential Responsibilities:

• Analyze and evaluate loan applications and all supporting documentation (e.g. financial statements and employment history) to assess borrowers credit worthiness and ensure meets guidelines and regulations
• Underwrite according to bank guidelines and regulations for all loan products, including USDA/Secondary market/PMI, Construction, Homebuyer Dream Program and SONYMA
• Analyze and approve residential appraisals to ensure collateral meets program and investor guidelines
• Review Title Reports
• Approve if loan is within lending authority or recommend approval or denial for decision and supporting documentation
• Communicate with lenders and appropriate vendors to obtain information for credit decision
• Provide guidance to lenders regarding procedures required to take action on problem loan applications
• Prepare loans to proceed to closing table
• Participate in writing procedures
• Other duties as assigned or directed
• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner
• Cooperates with other member of department to achieve department goals.  Cooperates with employees of other departments to provide quality service, solve problems and achieve bank goals.

Education, Training and Requirements:

• Associates Degree or equivalent mortgage processing or legal office real estate closing experience required
• All applicants must be 18 years of age or older

Skills:

• Proficient reading, writing, grammar and mathematics skills
• Ability to analyze and interpret income, assets and credit
• Ability to work under pressure and work effectively under time constraints
• Good written and verbal communication skills
• Research and problem solving skills
• Proficient in Microsoft Word and Excel
• Must be able to consistently demonstrate the Company’s core values;  a strong work ethic, integrity, respect for others responsibility, transparency and humility

Experience:

• Two (2) years’ of mortgage experience preferred

Hours: 40 hours/week

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.