Business Banking Lending Specialist

This is CNY · Oneida, NY · 1 wk ago

Finance$21.75/hrInternship

About the Company

Community Financial System, Inc. (CFSI) is dedicated to providing 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 offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. We are committed to our employees, offering competitive compensation, great benefits, and professional development and advancement opportunities.

Responsibilities

Interpret and process Business Banking loan applications using the NextGen digital platform with high accuracy and timeliness.
Utilize numerous resources to verify applicant data and total banking relationships with CBNA.
Manage personal workload to complete assignments in a timely manner and achieve departmental goals.
Understand and interpret loan applications, credit files, and loan approvals.
Identify missing information from loan packages and create tracking items based on knowledge of loan application requirements.
Coordinate and communicate with Lenders and Branch Managers to ensure follow-up and receipt of all required materials for BB loan submissions.
Track applications to ensure compliance with Reg B standards and prepare/send incomplete letters as needed.
Research potential borrowers on various governmental websites for business and collateral filings and document findings.
Interpret credit files and loan approvals to prepare commitment letters.
Order and track mortgage due diligence information necessary prior to closing.
Assist in maintaining BB Department mailboxes, including resolution or response to inquiries.
Provide exemplary customer service to both internal and external customers to achieve departmental goals.
Maintain proficient knowledge of, and demonstrate ongoing compliance with, all laws and regulations applicable to this position.
Ensure adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements.
Administer Business Banking Loan Credit Files and record retention.
Perform other duties as required.

Requirements

Associate's Degree in Business or a business-related field of study with lending/credit-related experience.
Minimum of 2 years of bank experience related to lending and/or credit analysis.
General knowledge of Commercial Lending Policies, Procedures, and Products.
All applicants must be 18 years of age or older.

Skills

Proficient reading, writing, grammar, and mathematic skills.
Proficient interpersonal and communication skills (both verbal and written).
Understanding of financial statement composition with the ability to interpret, analyze, and connect financial data from various sources.
Comprehensive understanding of commercial loan documents, processes, and collateral perfection.
Ability to review and interpret credit approval information.
Strong organizational skills; knowledge of Microsoft Word and Excel.
NextGen experience is a plus.

Benefits

11 paid holidays.
Paid vacation.
Medical, Vision, and Dental insurance.
401K with generous match.
Pension.
Tuition Reimbursement.
Banking discounts.

Pay

Minimum USD $21.75/Hr. Maximum USD $30.50/Hr.

Schedule

40 hours/week.

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.
Occasionally lift and/or move up to 25 pounds.
Specific vision abilities required include close vision and the ability to focus.