Collateral Representative

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.

This position is responsible for the review of loan collateral documentation and perfection of collateral in order to reduce bank risk.

• Review new commercial loan files to ensure the proper documentation is obtained to perfect the Bank's collateral
• Collateral write-up for new loans and renewals for input to the system
• Perfect and verify liens on collateral
• Process requests for substitution of collateral and partial releases
• Updates brokerage statements and appraisal information in the system
• Researches and resolves lien perfection issues
• Refer major loan violations to the supervisor for review
• Perform other related 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 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 in business related field or equivalent work experience preferred
• Overtime as required
• All applicants must be 18 years of age or older

Skills:

• Strong attention to detail as well as proven organizational and analytical skills
• Able to prioritize and work effectively under time constraints
• Must have strong PC skills including Excel and Outlook
• Excellent interpersonal skills
• Good written and verbal communication skills
• Must be able to consistently demonstrate the ompany's core values: integrity, excellence, teamwork, and humility

Experience:

• Preference will be given to a candidate with at least two (2) years' experience in banking and knowledge of lending products and services; as well as working knowledge of the required documentation for all loan types

Hours: 40 hours/week; Monday-Friday 8:00-5:00

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.