Banking And Financial Services Jobs in Olean

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 commercial banking, 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 will comply with bank and investor guidelines with portfolio and investor mortgage loans, conducting required functions for special asset protection management.

Essential Responsibilities:

• Execute and submit secondary market investors, government agencies, and mortgage insurance delinquency and status reports to safeguard the company's interest
  • Adhere to guidelines set by investors, guarantors, and regulatory entitles for accurate and timely reporting
  • Manage audits conducted by third party companies such as TenA for quality control of FHA-HUD and USDA portfolios
• Prepare, monitor, and submit applicable servicing claims to safeguard the company's interests in residential real estate properties following applicable guidelines and regulations
  • Processing and application of, or release of claim documents and funds
  • Successfully resolve claim disputes brought to mortgage insurance, guarantors, and investor loan entities
• Oversee the workflow for maintaining post-foreclosure accounts including Other Real Estate Owned (OREO) properties
• Facilitate release requests including but not limited to release of security, releases of liability, and deed transfers by preparing, reviewing and processing documents
• Assist with conducting review, preparing and managing charge offs and write downs
• Prepare and mail notifications to borrowers per investor, guarantor, state, insurer, or bank guidelines
• Comply with applicable regulations including but not limited to Fair Debt Collections Practices Act, Real Estate Settlement Procedures Act, Service Member Civil Relief Act, Dodd-Fran Act (UDAPP) as they relate to consumer real estate loan collections
• 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

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 Company in achieving their annual goals.

Education/Training/Requirements:

• High School Diploma or GED required
• A.A. or A.S. degree with business field of study or relevant work experience strongly preferred
• All applicants must be 18 years of age or older

Skills:

• Familiarity with collections, loss mitigation, foreclosure, and bankruptcy laws; servicing requirements of various secondary market investors and government agencies
• Proficient reading, writing, and grammar skills
• Excellent mathematical skills
• PC proficiency including Windows and Microsoft Suite
• Able to demonstrate ability to analyze data from reports/workbooks
• Excellent interpersonal and communication skills
• Must be collaborative, adapt and reprioritize, and have an independently objective mindset
• Must be able to consistently demonstrate the Company's core values; integrity, teamwork, excellence, and humility

Experience:

• Minimum of two (2) years' collections or loan servicing experience preferred

Hours: 40 hours/week (some OT including nights, weekends & 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.

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 commercial banking, 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.

A Teller is responsible to create and deliver a positive customer experience while conducting financial transactions. This position requires an individual with a positive attitude, who is a team player, and who is able to actively listen for customer financial needs in order to refer them to the appropriate bank product or bank representative. A Teller must be able to adapt well to the changing workplace environment such as customer service complaints; maintain the security of customer information; prioritize items of significance; and maintain responsibility for assigned cash drawer.

Essential Responsibilities:

• Provide quality customer service and a positive banking experience by handling financial transactions (i.e. cashing checks, handling deposits/withdrawals, etc.) with a professional attitude
• Actively listen for potential sales opportunities to promote specific bank products and services, and refer customers accordingly
• Conduct customer transactions with accuracy and prepare daily cash balancing within established guidelines
• Ability to understand direction and adhere to established policies and procedures
• 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 policies, procedures, and internal controls, and meet all training requirements in a timely manner

• May be called upon to travel to other branches in the area to provide support as needed and to ensure proper staffing levels

Education, Training and Requirements:

• High School Diploma or GED Required
• All applicants must be 18 years of age or older
• Travel is required to surrounding branches as needed

Skills:

• Basic math and computer skills
• Documentation skills with attention to detail
• Professional and friendly interpersonal and communication skills
• Clear thinking and ability to stay focused
• Must be able to consistently demonstrate the Company's core values: a strong work ethic, integrity, respect for others, responsibility, transparency and humility

Experience:

• Prior customer service skills preferred

Hours: 37.5 hours per week

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.

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 commercial banking, 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 to understand, comprehend and maintain with all laws and regulations such as TILA- RESPA, ATR/QM, HMDA. Independently responsible to review and evaluate applications for all products offered and determine credit worthiness of applicant and ensure meets requirements of bank, government agencies and secondary market investors.

Essential Responsibilities:

• Analyze and evaluate loan applications and all supporting documentation (e.g. financial statements and employment history) to assess borrowers credit worthiness and ensure meets guidelines and regulations
• Underwrite according to bank guidelines and regulations for all loan products, including USDA/Secondary market/PMI, Construction, Homebuyer Dream Program and SONYMA
• Analyze and approve residential appraisals to ensure collateral meets program and investor guidelines
• Review Title Reports
• Approve if loan is within lending authority or recommend approval or denial for decision and supporting documentation
• Communicate with lenders and appropriate vendors to obtain information for credit decision
• Provide guidance to lenders regarding procedures required to take action on problem loan applications
• Prepare loans to proceed to closing table
• Participate in writing procedures
• Other 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 policies, procedures, and internal controls, and meet all training requirements in a timely manner

• Cooperates with other member of department to achieve department goals. Cooperates with employees of other departments to provide quality service, solve problems and achieve bank goals.

Education, Training and Requirements:

• Associates Degree or equivalent mortgage processing or legal office real estate closing experience required
• All applicants must be 18 years of age or older

Skills:

• Proficient reading, writing, grammar and mathematics skills
• Ability to analyze and interpret income, assets and credit
• Ability to work under pressure and work effectively under time constraints
• Good written and verbal communication skills
• Research and problem solving skills
• Proficient in Microsoft Word and Excel
• Must be able to consistently demonstrate the Company's core values; a strong work ethic, integrity, respect for others responsibility, transparency and humility

Experience:

• Two (2) years' of mortgage experience preferred

Hours: 40hours/week

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.

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 commercial banking, 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 supports senior bank and department management to be compliant with bank investor guidelines with portfolio and investor mortgage loans, by conducting loss mitigation functions.

Essential Responsibilities:

Supports CRES management in conducting loss mitigation functions, in order to effectively assist borrows to maximize home retention, and protect bank and investor collateral and interests by, but not limited to:

• Working directly with distressed borrowers to assess their situations and discuss potential loss mitigations options
• Processing and administering loss mitigation plans once appropriate reviews and approvals are provided, which includes but not limited to: reinstatements, forbearances, repayment plans and modifications

Develops, maintains and administers policies and procedures established and guided by the bank, investor, and/or regulatory agencies, to remain in compliance

Collaborates with:

• All CRES staff to ensure borrowers are properly addressed regarding loss mitigation options, inquires, and assistance
• Other departments and branches to improve or develop effective practices, address needs, and expand on opportunities
• Investors as applicable for secondary market accounts

Supports CRES management in determining the best financial and integral course of action for default accounts or miscellaneous mortgage servicing requests

Performs all collection and servicing staff duties as needed

Other 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 policies, procedures, and internal controls, and meet all training requirements in a timely manner

Ancillary Duties:

As an integral member of the CRES 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:

• A.A. or A.S. degree required
• B.S. degree strongly preferred
• Business field of study strongly preferred
• Work evenings, holidays and weekends as needed
• All applicants must be 18 years of age or older

Skills:

• Proficient reading, writing and grammar skills
• Excellent mathematical skills
• Thorough knowledge of Excel
• Proficient communicative skills
• Ability to create, implement and maintain workflows based on regulatory guidelines
• Highly organized; results driven with competency to meet demands of proficiency, effectiveness and efficiency
• Demonstrated ability to analyze data from reports/workbooks
• Must be collaborative, have the ability to adapt and reprioritize, and have an independently objective mindset

Experience:

• Minimum of two (2) years with collections, foreclosure, bankruptcy, finance, accounting, legal or real estate fields strongly preferred

Hours: 40 hours/week (some OT incuding night, weekends & 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.

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 commercial banking, 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 has designated lending authority and is responsible for reviewing Consumer loans for compliance.

Essential Responsibilities:

• Review Consumer loans via the Consumer LOS for quality assurance, adherence to compliance policies, regulatory polices (such as Fair Lending) underwriting, policies, and documentation requirements
• Review Consumer loans (including bank-wide employee loans) via the various Consumer loan platforms
• Perform credit analysis and investigations as outlined in bank policy and procedures
• Communicate loan decisions to customers in a timely manner
• Review exceptions and collaborate with supervisor and/or management to resolve
• Assist Supervisor(s) with testing loan system updates
• Assist Supervisors(s) with daily operations as they pertain to Direct Lending
• Assist Supervisor(s) with updating procedures as needed
• Provide periodic reports to Supervisor(s) and/or management
• Provide quality service to customers (internal and external), coworkers and management
• Comply with operating policies and procedures to maintain adequate controls and to ensure the Bank's adherence to outside regulatory agencies
• Assist with and absorb additional Direct Lending related functions resulting from a merger/acquisition
• Actively cross-sell other bank loan and deposit products
• Perform other duties as assigned or directed
• Maintain proficient knowledge of laws and regulations; demonstrate ongoing compliance with all laws and regulations applicable to position; ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely manner

Ancillary Duties:

• May travel throughout branch network
• As an integral member of the Direct Lending Department, this position is responsible to assist the department, as well as the Bank, in achieving their goals

Education, Training and Requirements:

• High School Diploma or GED required
• Associates degree in a related field of study strongly preferred
• May be required to work nights, weekends and holidays
• Valid driver's license
• All applicants must be 18 years of age or older.

Skills:

• Keen attention to detail
• Proficient reading, writing, grammar and mathematical skills
• Proficient interpersonal relations and communicative skills
• Adaptable
• Flexible and understanding of change
• Positive attitude with lever-headed approach
• Creative thinker
• Collaborative
• Team player
• Good work ethic
• Ability to manage responsibilities well
• Able to maintain focus within an open floor plan office setting consisting of simultaneous professional conversations

Experience:

• Minimum of two (2) years' experience in a related field required
• Minimum of one (1) year of lending or underwriting experience highly preferred.

Hours: 40 hours/week

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.

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 commercial banking, 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.

As a Discounter, this position necessitates someone who is highly dependable, good with details, has strong retention abilities and works well in a fast-paced environment individual and in a team environment. This position will be responsible for providing a high level of customer service to our dealer base, ensure submitted contract packages are complete and accurate according to the Indirect Department and Bank policy/guidelines for funding.

Essential Responsibilities:

• Cooperates and builds a strong working relationship with peers to provide quality service, solve problems and achieve bank and departmental goals
• Ensures submitted contracts and loan packages are complete, accurate and reflect proper approval authorities in adherence to Indirect Department and Bank policy/guidelines
• Closely inspects loan documents for suspicious or fraudulent documentation
• Ensures the accuracy of contract figures, disclosures, signatures and documentation for contract funding
• Identifies errors in calculations and/or missing documentation; work with dealership for correction and help maintain department exceptions
• Refers major loan violations to Supervisor/Manager for review
• Provides quality service to customers, whether internal or external
• Maintains logs and spreadsheets used within the department
• Maintains 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 job-specific training requirements in a timely fashion
• Performs other related duties as assigned or directed

Ancillary Duties:

• Performs data entry functions such as entering information into the Indirect loan origination system from applications sent by dealerships and providing payoff or account information as needed to provide Indirect Lending services to our dealer base and customers.
• As an integral member of the Indirect Department, this position is also responsible to provide assistance wherever necessary to help the Retail Banking Department and the Bank in achieving their annual goals.

Education, Training and Requirements:

• High School diploma or GED required
• Associates Degree or equivalent in work experience preferred
• All applicants must be 18 years of age or older

Skills:

• Proficient reading writing, grammar and mathematics skills
• Proficient interpersonal relations and communicative skills
• Good time management skills
• Ability to prioritize and work effectively under time constraints
• Moderate computer and typing skills to include Microsoft Word/Excel
• Must be able to consistently demonstrate the Company's core values; a strong work ethic, integrity, respect for others, responsibility, transparency and humility

Experience:

• Two (2) to four (4) years of banking experience is preferred with knowledge of the Bank's lending products and services. Ideal candidate would also have a working knowledge of the required documentation for all loan types.

Hours: 40hours/week

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.

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 commercial banking, 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 supports senior bank and department management to be compliant with bank and investor guidelines with portfolio and investor mortgage loans, by conducting legal servicing (foreclosure and bankruptcy) functions.

Essential Responsibilities:

• Supports CRES management in conducting legal servicing functions, in order to effectively protect bank and investor collateral by, but not limited to:
  • Foreclosure, from referral to sale/auction
  • Bankruptcy, from filing/proof of claim to discharge/dismissal
  • Administrative, from investor to protective advance workflows
  • Insurance claims, from mortgage guarantee to total loss claims
  • Legal servicing requests
• Develops, maintains, and administers policies and procedures established and guided by the bank, investor, and/or regulatory agencies, to remain in compliance
• Collaborates with:
  • All CRES staff to ensure borrowers are properly addressed regarding:
    • Remedying foreclosure actions
    • Handling bankruptcy accounts
  • Home retention (collections and loss mitigation) staff for:
    • Deed-in-lieu of foreclosures
    • Short sales
  • Other departments and branches to improve or develop effective practices, address needs, and expand on opportunities
  • Investors as applicable for secondary market accounts
• Performs all collection and servicing staff duties as needed
• 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 policies, procedures, and internal controls, and meet all training requirements in a timely manner

Ancillary Duties:

As an integral member of the CRES 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:

• Bachelor's Degree or equivalent specialized training and work experience required
• All applicants must be 18 years of age or older

Skills:

• Proficient reading, writing, and grammar skills
• Excellent mathematical skills
• Proficient communicative skills.
• Must be able to demonstrate ability to analyze data from reports/workbooks and have thorough knowledge of Excel
• Ability to create, implement, and maintain workflows bases on regulatory guidelines
• Highly organized; results driven with competency to meet demands of proficiency, effectiveness, and efficiency.
• Must be collaborative, have the ability to adapt and reprioritize, and have an independently objective mindset
• Must be able to consistently demonstrate the Company's core values; integrity, excellence, and teamwork

Experience:

• Minimum of two (2) years with collections, foreclosure, bankruptcy, loss mitigation, finance, accounting, legal, or real estate fields strongly preferred.

Hours: 40 hours/week (some OT including night, weekends & 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.

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 commercial banking, 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.

The major responsibility for an Insurance Claims Representative is assisting the department with manners regarding the company's credit insurance programs and claims.

Essential Responsibilities

• Process Life and Disability Insurance claims
• Process Life and Disability Insurance proceeds received from an internal or external insurance carrier
• Perform next day verification of Life and Disability payments to ensure they were keyed to the customer's account correctly
• Process Total Loss claims
• Verify GAP coverage after a Total Loss and file the GAP claim. Process GAP refunds/issue checks
• Process Total Loss proceeds issued by auto insurance companies Process collision/repair checks issued by auto insurance companies
• Perform next day verification of Total Loss and/or collision repair payments to ensure they were keyed to the customer's account correctly
• Process cancellations on Total Losses for back-end products (i.e. Dealer Warranties)
• Prepare and send Customer Balance Letters
• Coordinate and process loan payoff requests
• Process the necessary lien and/or title releases
• Handle account researches, credit disputes, and/or assist with customer complaints. Cut and issue checks to applicable parties
• Correspond to and provide necessary documentation to third party companies including customers, physician offices, auto insurance companies, GAP insurance carriers, and dealership representatives to ensure all available monies or refunds are requested and paid in a timely manner
• Add and remove insurance codes on accounts accordingly to reflect the current account/claim status
• Perform next day verification of the addition or removal of insurance codes
• Assist with collection efforts on delinquent accounts with pending/active insurance claims Effectively communicate and cooperate with other Bank departments and personnel regarding accounts with insurance claims
• Thoroughly document accounts detailing the action taken, information needed, and/or next steps Perform daily and monthly balancing and reconciliation of general ledger accounts
• Continuously cross train on other functions as needed or requested Assist the Direct Lending Manager with tasks, reports, or projects Assist the Direct Operations Supervisor with tasks, reports, or project.
• Perform multiple queue verifications within the Consumer Loan platform to ensure all loans with open/active insurance claims are worked in a timely and regulatory manner
• Assist with updating procedures as needed
• Assist with and absorb additional insurance claim related functions resulting from a merger/acquisition
• Provide quality service to coworkers, customers, third party vendors, insurance companies, etc.
• Other 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 policies, procedures, and internal controls, and meet all training requirements in a timely manner

Ancillary Duties:

As an integral member of the Indirect/Direct Consumer Loan Departments, this position I s also responsible to provide assistance wherever necessary to help the Department and the Bank in achieving their annual goals.

Education, Training and Requirements:

• High School Diploma or GED required
• Associates Degree in related field of study or two (2) years' experience in a related field preferred
• Valid driver's license
• All applicants must be 18 years of age or older

Skills:

• Keen attention to detail
• Proficient reading, writing, grammar and mathematics skills
• Proficient and professional interpersonal relations and communicative skills
• Adaptable
• Flexible and understanding of change
• Positive attitude with a level-headed approach
• Creative thinker
• Collaborative team player
• Dedicated work ethic and ability to manage responsibilities well
• Ability to work with high volumes at a fast pace while maintaining quality
• Able to maintain focus within an open floor plan office setting consisting of simultaneous professional conversations

Experience:

• Minimum of two (2) years of experience in related field strongly preferred

Hours: 40hours/week

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.

Women who choose to become gestational carriers provide an extraordinary gift to help build a family. Many individuals and couples are unable to carry a pregnancy on their own for medical or personal reasons, and surrogates play a vital role in helping make parenthood possible.

At Gift of Life Surrogacy Agency, we guide and support our carriers every step of the way. If you are considering becoming a surrogate, it is important to understand both the medical process and the emotional journey involved. Our team ensures you are fully informed, supported, and cared for throughout the entire experience.

Gestational Carrier Requirements

To ensure a safe and successful journey for both carrier and baby, applicants must meet the following criteria:

• Between 21–39 years old
• U.S. citizen living in a surrogate-friendly state
• Have delivered at least one child and are currently parenting
• No more than two (2) C-sections
• Not receiving government or public assistance (including Medicaid, WIC, SNAP/Food Stamps, or state-funded health insurance)
• No history of pregnancy complications (including gestational diabetes, pre-eclampsia, or pre-term labor)
• No history of schizophrenia, bipolar disorder, borderline personality disorder, or major depressive disorder
• Not currently taking medications unsafe for pregnancy (including certain mental health medications)
• Able to travel for medical screening, monitoring, and embryo transfer appointments
• Live a healthy lifestyle free of illicit or recreational drug use
• Have a stable home environment and strong support system

All qualifications will be reviewed in detail during your initial consultation.

Compensation & Benefits

We recognize the commitment, time, and care involved in being a gestational carrier. Compensation includes:

Base Compensation

• $60,000 – $70,000
  (First-time carrier to experienced carrier)

Additional Benefits

• $250 monthly expense allowance
• $500 maternity clothing allowance
• $10,500 for multiple birth
• Up to $10,000 for loss of organs (per contract terms)
• Lost wages (carrier and spouse, if applicable — based on employment verification)
• Travel reimbursement 
• $200 per week for housekeeping (if medically necessary)
• $20 per hour for childcare (if medically necessary)

All medical expenses, legal representation, and services related to the surrogacy journey are covered.

Want to make extra money on YOUR schedule? Join our exclusive list of research study participants and start earning extra income today!

Perfect for anyone seeking remote, part-time, or temporary work, these opportunities require no previous experience and offer unmatched flexibility. Choose the studies that suit you best—whether online, in-person, or over the phone—and get paid for sharing your opinions.

Don't miss out on this chance to turn your free time into valuable earnings!

Participants are needed on a wide range of topics such as:

• Health Issues (Research for cures and new medications to treat ailments)
• Consumer Products (Your experience with consumer products)
• Shopping (Shopping experiences)
• Internet Usage (How you use the internet)
• Vehicles (recreational vehicles and automobiles)
• Employment (Various types of jobs or career fields)
• Food & Beverages (the consumption of various foods and beverages)
• Entertainment (About TV, movies or video games)
• Social Media (the use of different social media platforms)
• Financial (Banking and investing)
• Retirement (Planning what, when and how)
• Gender (studies based on your gender)
• Housing (Renters or Homeowners)

Compensation:

• Earn up to $250+ in Just ONE Hour! (Focus Group Session)
• Earn up to $3,000+ (Multi-Session Studies)

Benefits:

• Flexibility to take part in discussions online or in-person.
• No commute needed if you choose to work from home.
• No minimum hours. You can do this part-time or full-time
• Enjoy free samples from our sponsors and partners in exchange for your honest feedback of their products.
• You get to review and use new products or services before they are launched to the public.

Qualifications:

• Speak and/or read English
• Must be 18yrs old or older
• Must have either a phone, computer or tablet with internet connection

Experience:

• Start Immediately - No Experience Needed! Anyone Can Participate!

Education:

• Open to all education levels - Your opinion matters!