Mortgage Disclosure Representative (Temporary Position)

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 over 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. We also 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

• Understand, comprehend, and maintain compliance with all laws and regulations such as TILA-RESPA.
• Be proficient in all loan products offered and prepare required disclosures.
• 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 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 loans.
• Participate in writing procedures.
• Use external sites to assist with information needed.
• Perform other duties as directed.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with, all applicable laws, regulations, policies, procedures, and internal controls, and meet all training requirements in a timely manner.

Requirements

• High School Diploma or GED required.
• Associate’s Degree or bank experience preferred.
• All applicants must be 18 years of age or older.
• Two (2) years of office experience is preferred.

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.

Schedule

40 hours per week (Temporary Assignment - Up to approximately 12 weeks).

Pay

Minimum USD $18.25 per hour. Maximum USD $24.71 per hour.

Physical Requirements

The physical demands described 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.