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.

General Function:

The function of this position is to provide direct assistance to the Consumer Real Estate Servicing Department, specifically Property Preservation workflow, and must comply with bank and investor guidelines in the collection, maintenance and legal aspects of delinquent and current portfolio and investor mortgage loans.

Essential Responsibilities:

• Provide assistance to borrowers and vendors, as related to property preservation
• Draft memorandums, letters, and other necessary documents
• Establish and maintain department files and records
• Prepare, review, and act on generated reports by CBNA or vendors, primarily delinquent property tax reports
• Prepare and/or review invoices for third party payouts
• Research, track, and follow-up on borrower adherence with paying their property taxes
• Monitor borrower accounts to minimize bank's risk, and ensure compliance with local municipalities, state, federal, and vendor regulations
• Support management and senior staff with ordering and reviewing of delinquent real estate accounts' inspections, and executing remedial work for accounts to adhere to regulatory property maintenance guidelines
• Order and evaluate appraisals as requested by management and authorized staff
• Assist with miscellaneous property request workflows from borrowers and entities; evaluating and processing total residential total loss claims for management determination; requests for mortgage conversion, modifications with large down payments and PMI cancellation requests
• Conduct/assist with above responsibilities for both portfolio and investor accounts
• Other duties as assigned
• 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

Ancillary Duties:

As an integral member of the Consumer Real Estate Servicing Department, this position is also responsible to provide assistance wherever necessary to help the Consumer Real Estate Servicing Department and the bank in achieving their annual goals.

Education, Training and Requirements:

• High School diploma or GED required
• A.A. or A.S. degree with business field of study strongly preferred

Skills:

• Proficient reading, writing, and grammar skills
• Excellent mathematical skills
• Thorough knowledge of Excel
• Proficient communication skills
• Ability to create, implement and maintain workflows based on regulatory guidelines
• Highly organized and detailed oriented
• Results driven with competency to meet demands of proficiency, effectiveness, and efficiency
• Ability to analyze data from reports and workbooks
• Must be able to consistently demonstrate the Company's core values: integrity, teamwork, excellence, and humility

Experience:

• Two (2) years collections, property management, and/or delinquent property tax management experience preferred

Hours: 40 hours/week; Monday-Friday 8:00-4:30; some overtime may be required including weekends and Holidays

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.