Retail Loan Processor

About Us

Seneca Savings is a proud community bank that has been serving the Central New York region for over 95 years. With deep roots in the area, we're committed to exceeding expectations by delivering big bank technology with a personal touch. As a locally focused institution, our mission is to foster growth, empower success, and uplift the communities we serve, guiding our customers, employees, and partners toward achieving their financial dreams. We operate five branch locations in Baldwinsville, Liverpool, North Syracuse, Bridgeport, and Manlius, and take pride in offering a workplace culture grounded in our core values: Driven Towards Success, Team Oriented, Customer First, and Positive Attitude. These values define who we are and how we work, both with each other and with the communities we proudly serve.

Responsibilities

• Respond to general loan account inquiries via phone, mail, and email; assist customers with payments and account questions.
• Review daily mortgage and consumer loan payment exceptions in Director; process payment reversals or corrections in CT Teller as needed.
• Prepare mortgage and consumer loan payoff letters; provide payoff information for teller processing.
• Complete manual mortgage discharges and submit to County; coordinate with Lereta for additional discharge processing.
• Utilize systems such as Cleartouch, Director, and Encompass to scan/upload documents, retrieve reports, and generate monthly Board reports.
• Perform quality control reviews on 10% of newly closed mortgage loans.
• Maintain AML, Treasury, and prime rate information within Cleartouch; update system parameters as needed.
• Order inspections and bringdowns for mortgage files; disburse funds and update file maintenance accordingly.
• Process loans in Encompass and support Mortgage Loan Originators (MLOs); assist with file organization, underwriting coordination, and TRID-compliant document preparation.
• Enter new loans and disburse funds, complete post-closing maintenance for mortgage and consumer loan files.
• Provide backup support for commercial loan processing.
• Coordinate with attorneys to obtain recorded and final documents for closed loans.
• Submit and maintain liens for autos, ATVs, boats, and recreational vehicles via DMV or UCC's website; handle UCC terminations/lien releases when a loan is paid off.
• Review and validate final HMDA Wiz data in Questsoft for accuracy and compliance.

Requirements

• High school diploma required; associate degree preferred. An equivalent combination of education and experience may be considered.
• Prior related banking experience preferred, including teller and lending responsibilities.
• Excellent verbal and written communication skills.
• Ability to read and interpret complex information and convey it in simple terms.
• Strong customer service skills with a professional, courteous, and knowledgeable approach.
• Highly organized with effective time management skills.
• Proficiency in Microsoft Word, Excel, and Outlook.
• Accurate data entry skills across multiple systems and platforms.
• Ability to prioritize tasks, manage multiple responsibilities, and adapt to shifting priorities on short notice.

Skills & Tools

• Basic personal computer skills including email, database/spreadsheet entry, and word processing.
• Ability to create spreadsheets, graphics, and reports using standard software applications.
• Ability to operate office equipment such as computers, printers, scanners, copiers, facsimile machines, telephones, postage meters, and calculators.
• Proficiency with Windows Operating system, Microsoft Office Suite (Word, Excel, Outlook, PowerPoint), Adobe Acrobat, and banking/lending software; willingness to learn new software.

Physical & Mental Requirements

• Regularly required to stoop, kneel, crouch, reach, sit, stand, walk, push, pull, lift, use fingers, grasp, feel, talk, hear, and perform repetitive motions.
• Ability to lift, move, push, pull, or otherwise exert up to 50 pounds of force occasionally and/or negligible force frequently.
• Close mental and visual attention required for preparing and analyzing data, using a computer terminal, and extensive reading.

Work Environment

Work is performed in a typical office environment with no exposure to adverse environmental conditions.

Benefits

• Paid Time Off
• Medical, Dental, Vision
• Short-Term and Long-Term Disability
• Accident, Critical Illness, Hospital Plans
• 401k with Matching (5%)
• Employee Stock Option Plan
• Flexible Spending and Health Savings Accounts
• Company Paid Life Insurance
• Tuition Reimbursement
• Opportunities For Advancement
• Employee Discounts

Pay

The base pay range for this position is $20.63 - $24.00 per hour. Exact offers will be determined based on job-related knowledge, skills, and experience.