Guild Mortgage Jobs in Usa

Job ID: 408118

Practice area:- Bankruptcy - Creditors Rights,Bankruptcy - Litigation,Litigation - Foreclosure (Lender-side),Litigation - Real Estate - Defense,Real Estate - Foreclosure (Litigation)

Associate Attorney (2–6 Years) – Creditors’ Rights, Foreclosure & Bankruptcy Litigation | Westmont, NJ

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Keywords:- Associate Attorney, Creditors Rights Attorney, Foreclosure Litigation Attorney, Bankruptcy Litigation Attorney, Real Estate Defense Attorney, Westmont legal jobs, Attorney jobs New Jersey, NJ Bar required, Law firm foreclosure associate, Partner-track position, foreclosure lawyer,creditor claim, proof of claim, secured creditor, involuntary bankruptcy, automatic stay relief, preference action, reclamation, UCC Article 9

A top-tier law firm is seeking an Associate Attorney in Westmont, NJ to handle creditors’ rights, foreclosure, bankruptcy, and real estate defense matters. Join a respected lender-side practice with strong training, courtroom exposure, and long-term partner-track position potential.

This law firm was founded over four decades ago to represent banks, mortgage lenders, and financial institutions. Their areas of practice include foreclosure, litigation, REO services, title claim services, evictions, and loss mitigation. Their offices are located in New York, Pennsylvania, Maryland, New Jersey, Virginia, DC, and Delaware.

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A respected law firm with a long-standing reputation in creditors’ rights, foreclosure, and mortgage-related litigation is seeking an Associate Attorney to join its Westmont, New Jersey office. This opportunity is ideal for an attorney who wants substantial case responsibility, direct client interaction, and hands-on experience serving mortgage lenders and financial institutions in a fast-paced practice. For candidates pursuing Westmont legal jobs and New Jersey legal jobs, this role offers a strong platform for long-term growth.

This Associate Attorney opportunity stands out for its mix of foreclosure litigation, bankruptcy-related matters, real estate defense work, and lender-side representation. Attorneys in this role will manage an active caseload, appear in court, and work closely with clients on practical legal solutions. This opportunity is actively interviewing and rarely opens at this level for candidates seeking a partner-track position in a specialized financial services litigation practice.

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Key Responsibilities

• Manage and prioritize a high-volume caseload involving creditors’ rights, foreclosure, bankruptcy, and related real estate litigation

• Draft, review, and revise pleadings to ensure compliance with applicable laws, court rules, and regulatory requirements

• Attend hearings, status conferences, and other court appearances on behalf of clients

• Represent mortgage lenders and financial institutions in lender-side litigation matters

• Interact directly with clients, opposing counsel, and internal team members regarding case strategy and status

• Provide practical and creative solutions to complex legal and procedural issues

• Support matters involving title, bankruptcy, foreclosure, mortgage banking, and related disputes

• Maintain strong communication and organization across multiple active files and deadlines

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Qualifications

• 2–6 years of experience as an Associate Attorney, Litigation Associate Attorney, or similar role preferred

• Juris Doctorate required

• Member in good standing of the New Jersey Bar required

• Admission to the Delaware Bar or Pennsylvania Bar is a plus

• Experience with title, bankruptcy, foreclosure, creditors’ rights, and/or mortgage banking is a plus

• Strong case management and organizational skills

• Excellent written and verbal communication abilities

• Ability to manage a large caseload in a deadline-driven environment

• Strong analytical judgment and ability to provide innovative legal solutions

• Client-service mindset and ability to work collaboratively with attorneys and staff

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Culture & Firm Appeal

This opportunity is with a well-established law firm known for representing banks, mortgage lenders, and financial institutions across a broad range of foreclosure, litigation, REO, title claim, eviction, and loss mitigation matters. The practice is especially attractive to attorneys who want focused lender-side experience, courtroom responsibility, and the chance to build deep subject-matter knowledge in a stable and growing niche. Candidates seeking Westmont legal jobs will appreciate the firm’s specialized platform and long-standing market presence.

The firm also offers an appealing professional environment that combines practical training with a collegial office culture. A casual atmosphere, free parking, and the possibility of remote and/or hybrid positions after training help support long-term retention and attorney development. For an attorney seeking a partner-track position, this role offers a strong opportunity to grow within a respected creditors’ rights and foreclosure litigation practice.

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Why This Role Is Unique

• Opportunity to build a specialized practice in creditors’ rights, bankruptcy litigation, lender-side foreclosure, and real estate defense

• Direct representation of mortgage lenders and financial institutions in high-volume, substantive matters

• Strong courtroom exposure through hearings and status conferences

• Excellent fit for attorneys seeking to move from general practice into a focused financial services litigation platform

• Opportunity for remote and/or hybrid positions post-training, as available

• Rare opening for a partner-track position in Westmont legal jobs within an established lender-side practice

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Benefits

• Free parking and casual office atmosphere

• Remote and/or hybrid positions may be offered post-training

• Paid time off including 15 vacation days, 5 personal emergency days, and 6 holidays

• Comprehensive benefits package with medical, vision, dental, 401(k), life insurance, short-term and long-term disability

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Call to Action

Apply now for a confidential discussion with a BCG Attorney Search recruiter.

Submit your resume today to learn more about this Associate Attorney opportunity.

Explore this standout opening in Westmont legal jobs and take the next step toward a partner-track position.

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BCG Attorney Search is the industry leader for placing candidates in permanent positions in law firms. Since 2000, our recruiters have placed several thousand attorneys and enjoyed extraordinarily high success rates with our candidates. As a BCG Attorney Search candidate, you have access to more opportunities than any legal placement firm in the United States. We are able to offer the most in-depth insight in the legal recruiting market thanks to our dedicated team of over 150 employees who mercilessly research, study and analyze the legal market. The depth and breadth of our research empowers us to place attorneys at rates that are unparalleled at any placement firm in the United States. Many of our recruiters make 30 to 40 placements per year, while recruiters at competitor firms are likely to make four or five. Unlike other placement firms that can only tell you about openings at major AmLaw firms, we place candidates of all backgrounds in firms of all sizes. While other legal recruiters only represent a narrow band of candidates from top law firms and top law schools, our research, firm contacts, and market insight allow us to place hundreds of candidates each year who do not fit this mold. It is rare that we do not get candidates we represent interviews and offers. No one in the world is better at legal recruiting and placement than BCG Attorney Search.

BCG Attorney Search will confidentially review your application and will not forward your materials to the firm without first discussing the opportunity with you.

Senior Mortgage Processor

Senior Residential Mortgage Loan Processor

About Us

We are a boutique mortgage brokerage based in New Jersey, serving clients throughout the NJ / NY / CT tri-state area. Unlike large call-center lenders, we operate with a relationship-first, referral-driven model focused on Realtors, attorneys, and repeat clients.

Our team values precision, communication, and smooth closings — especially in the fast-moving and nuanced tri-state market.

We’re seeking a Senior Residential Mortgage Loan Processor who understands the complexity of New Jersey and New York transactions and thrives in a collaborative, team-oriented environment.

The Opportunity

This is not a high-volume, assembly-line processing role. Instead, you will manage a carefully balanced pipeline of loans, ensuring each file is structured properly, submitted cleanly, and closed on time.

You will work directly with experienced loan officers, local Realtors, title companies, and attorneys to guide files from application through clear-to-close.

Key Responsibilities

• Manage a residential pipeline across NJ, NY, and CT
• Review and analyze income (including self-employed and complex borrowers), assets, credit, and collateral documentation
• Structure loans according to investor and wholesale lender guidelines
• Submit clean, complete files to underwriting
• Clear conditions efficiently and communicate proactively with all parties
• Coordinate with title companies and attorneys (NY/NJ closing processes experience strongly preferred)
• Ensure compliance with TRID and state-specific regulatory requirements
• Maintain accurate updates in the Loan Origination System (Encompass or similar)
• Deliver an exceptional borrower experience from contract to close

Qualifications

• 5+ years of residential mortgage processing experience
• Experience in a mortgage broker or non-delegated lender environment
• Strong knowledge of Conventional, FHA, VA, USDA, and Non-QM products
• Familiarity with NJ and NY closing processes (attorney states)
• Experience working with multiple wholesale lenders
• Strong income calculation skills (self-employed, commission, bonus, multi-property borrowers)
• Highly organized with strong follow-up and communication skills

What Makes This Role Different

• Smaller, tight-knit team with direct access to leadership
• Relationship-driven business model (not call-center volume)
• Balanced pipeline with emphasis on quality over quantity
• High standards for clean submissions and smooth closings
• Opportunity to grow with an expanding boutique brokerage

Compensation

• Competitive base salary (based on experience)
• Performance incentives
• PTO and paid holidays
• Growth opportunities within a growing NJ-based firm

Why Join Us?

If you take pride in clean files, proactive communication, and smooth closings — and prefer working in a collaborative boutique environment rather than a high-volume lender — this is an opportunity to make a meaningful impact within a respected tri-state mortgage team.

About Guaranteed Rate Companies:

The Guaranteed Rate Companies is a leader in mortgage lending and digital financial services. Headquartered in Chicago, the Guaranteed Rate Companies has more than 7,000 employees in over 850 branches across the U.S., serving all 50 states and Washington, D.C. Since its launch in 2000, Guaranteed Rate Companies has helped more than 1 million homeowners with home purchase loans and refinances, with a total loan volume of more than $116 billion in 2021 alone. The company has cemented itself as an industry leader by introducing innovative technology, offering low rates and delivering unparalleled customer service. Honors and awards include: Top Lender for Online Service for 2018 by U.S. News & World Report; Best Mortgage Lender for Online Loans and Best Mortgage Lender for Refinancing by NerdWallet for 2021; HousingWire’s 2020 Tech100 award for the company’s industry-leading FlashClose℠ technology; No. 3 ranking in Scotsman Guide’s 2021 list of Top Retail Mortgage Lenders; Chicago Agent Magazine’s Lender of the Year for six consecutive years; and Chicago Tribune’s Top Workplaces list for seven consecutive years. Visit for more information.

Pay Range: $40,000-45,000 annually

Job Summary:

The central focus of a Business Development Coordinator (BDC) is to support one or more Vice President(s) of Mortgage Lending (VP) with a variety of

tasks related to increasing their production, efficiency and quality of work. A BDC's tasks are divided between 3 important components including 1)

Marketing support; 2) Business Plan and Referral Partner strategy; and 3) Follow up and communication with current and future lead sources.

BDCs are not licensed and may NOT perform any activity requiring a license. All marketing activities are performed under the supervision and guidance of

the VP they support, and in the VP's name. BDCs are not provided access or credentials to systems that are reserved for tasks that must be performed by

licensed employees, such as locking loans, taking applications, or holding themselves out as being able to perform those activities through independent

marketing or other avenues.

Essential Duties and Responsibilities:

• Help VP's add value and growth to their origination volume
• Idea generation and execution of the VP's business plan, including lead generation ideas and sources
• Attend, coordinate, plan and execute monthly events in coordination with the Marketing Department for Realtor and other partners to increase the VP'sbrand and relationship in the community
• Phone and email support including checking messages, return calls and correspondence, to maintain organized files and work environment
• Maintaining calendars and scheduling meetings, closings and creating calendar invitations, and following up timely with referral partners
• Contact and follow up with Realtors and referral partners, provide them marketing support, such as marketing materials, Gateless signups and thank you cards, and attend weekly Broker Open Houses with and on behalf of the VP they support
• Enter the VP's referral partners into the company's CRM, document and track the increase in lead sources and make suggestions for changes to the business plan
• Database management including coordinating monthly correspondence to borrowers who recently closed a loan
• Complete tasks in a timely manner and work amicably with others and the POD
• Other duties and responsibilities as assigned

Competencies:

• Excellent customer service skills and strong work ethic
• Exceptional verbal and written communication and listening skills with ability to communicate with multiple levels of management and influence others
• Ability to work a fast-paced environment that will require strong organizational skills and analytical acumen
• Excellent time-management skills and follow up and follow through with ability to multitask and meet deadlines
• Familiarity with mortgage industry and GRI loan processes
• Ability to multi-task with strong attention to detail while meeting deadlines in a fast-paced environment
• Proficient in Microsoft Office Suite including Outlook, and loan origination system (preferably Encompass)
• Ability to thing strategically to solve problems or challenges with loan files

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

We are changing FINANCE to finance CHANGE!

Climate First Bank is a Florida Benefit Corporation, state chartered, FDIC insured commercial bank. With now three physical branches in St Petersburg, Winter Park and Mount Dora and one digital branch, we are offering a full suite of banking products including personal and business banking and loan products (solar, residential, commercial, SBA and more). We are passionate about the environment, social issues and overall leaving our communities and the world better than we found it.

We want YOU to help us on this mission and are looking for exceptionally hard-working, passionate and bright new team members.

We are a team of growth focused, goal-oriented and competitive individuals. We collectively work hard to achieve our mission and growth-related milestones and continue to set and exceed new goals almost daily. We love what we do, and we love working with people who are just as excited about our objectives as we are!

Come join our team as a Residential Loan Officer in one of the following markets: Tampa Bay Area, Jacksonville, Lake County, Southeast Florida, Southwest Florida and take your career to a level unattainable in a traditional bank environment! In this role, you will utilize industry knowledge and expertise to recommend mortgage products to clients while also excelling at driving deposit relationships to the Bank.

The Residential Loan Officer position is a hybrid role and requires physical presence in the market you are applying for. Candidates must be local to their area of choice to be considered. Please send a resume to apply.

Job Responsibilities

• Utilize industry knowledge and expertise to recommend mortgage products to clients.
• Implement strategies that not only result in high profits but also achieve all the relevant sustainability goals including Community Reinvestment Act and multi-cultural lending goals.
• Operate by positively influencing revenue growth, expense adherence and efficiencies.
• Identify, develop, and maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities.
• Enhance valuable referral sources by regular participation in business related development opportunities and community efforts to promote home ownership.
• Proactively solicit residential mortgage business for your portfolio as well as working with your team leader to enhance Climate First Bank's business while meeting loan quality and production goals.
• Maintain a clean pipeline with an organized follow-up program and clear communication relative to locks, closing dates, extensions, etc.
• Participate in sales and training meetings on initial and new programs with realtors, builders, and other prospects.
• Maintain loan compliance through timely and accurate preparation of required initial disclosures and re-disclosures.
• Identify appropriate opportunities to cross-sell additional banking products.

Specific Requirements:

• In-depth knowledge of the residential mortgage industry.
• In-depth knowledge of residential lending regulations.
• Understanding and experience of residential lending for a financial institution. Banking experience preferred.
• Proven ability to personally produce a high volume of high-quality loans.
• Proven ability to cross-sell bank products.
• Bachelor's degree, preferably in business.
• Mission/values aligned - Must be completely values aligned with all the principals of CSR.
• Exceptional verbal and written communication skills.
• Resourceful, organized and a self-starter.
• Solid ability to anticipate needs of your clients.
• Exceptional interpersonal skills.

Benefits:

• Competitive compensation
• Employer paid medical, vision and dental insurance
• Employer paid disability and life insurance
• 401k match
• Employee Stock Options
• Compelling incentive plans
• Employee only rates for certain loan products
• Working with an amazing team of dedicated and like minded individuals!
• Being part of an exciting venture with amazing opportunities for growth and opportunities!

Physical Demands:

• Sustained standing and sitting.
• Frequent use of PC, including typing or sustained attention to monitor.
• Occasional lifting of basic office files or equipment up to 20 lbs.

Equal Opportunity Statement:

At Climate First Bank we truly believe that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. Diversity and inclusion are at the core of our values and mission. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans

E-Verify Statement:

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. If E-Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so you can begin to resolve the issue before the employer can take any action against you, including terminating your employment. Employers can only use E-Verify once you have accepted a job offer and completed the Form I-9.

Homeland Talent Solutions has partnered with a well-established, relationship-focused financial institution to hire an Encompass Administrator. This company is known for delivering personalized banking and lending solutions while maintaining a strong commitment to operational excellence, regulatory compliance, and community impact.

In this role, the Encompass Administrator will be responsible for the design, configuration, testing, documentation, and deployment of system enhancements within the Encompass platform. This individual will ensure the system operates efficiently while supporting mortgage lending regulations and information security standards.

The Encompass Administrator serves as the internal expert for user administration, loan access configuration, and business rule management, helping maintain a streamlined and fully paperless lending environment. Working cross-functionally with lending, operations, and technology teams, the Encompass Administrator will also develop custom reports, support system integrations, and deliver targeted training to improve user adoption and productivity.

This role plays a critical part in maintaining the performance, integrity, and long-term scalability of the Encompass system, helping the organization continue to provide exceptional service to its customers.

Responsibilities

• Design, document, configure, test, and deploy approved system changes and enhancements within the Encompass platform
• Partner with Compliance and Security teams to ensure Encompass operates in alignment with applicable mortgage lending regulations and information security standards
• Identify and recommend system improvements that enhance efficiency, productivity, and user experience
• Research updates and functionality changes in new Encompass releases and related integrated applications
• Manage user accounts, roles, profiles, security settings, and loan access permissions
• Maintain and update business rules governing data entry, workflow progression, and regulatory compliance across business units
• Configure and maintain loan setup settings to support evolving business needs
• Maintain the document library, develop custom documents, and manage eFolder settings to support a fully paperless environment and required document retention standards
• Create, maintain, and enhance reporting capabilities, including building custom reports for various business groups
• Manage integrations with third-party vendors and service providers
• Develop and maintain custom fields, forms, and data entry screens
• Conduct routine reviews of system configuration, code, data integrity, and usage to ensure long-term platform performance and adoption
• Collaborate with project managers, business analysts, developers, and subject matter experts on enhancement requests and system improvements
• Create and maintain technical documentation for processes, features, and workflow updates to support clear communication with end users
• Partner with the Training team to identify learning needs related to new features, enhancements, and common user issues
• Deliver training sessions for business units on system updates and new functionality
• Prepare and support reporting requirements for regulatory examinations, including electronic data submissions to regulatory agencies
• Ensure Help Desk tickets are addressed promptly and accurately while gathering user feedback to improve service and system performance
• Resolve system issues quickly and provide additional user training when needed

Requirements

• 3+ years of experience in the mortgage banking industry
• 3+ years of experience as a Loan Origination System (LOS) Administrator, preferably with Encompass 360 Banker Edition or a comparable mortgage LOS platform
• Bachelor’s degree in Business, Computer Science, or a related field, or equivalent work experience (5+ years) in a related role
• Strong understanding of the mortgage loan lifecycle, from point of sale through servicing and secondary market processes
• Highly detail-oriented and organized, with the ability to manage multiple initiatives simultaneously
• Proven track record of meeting deadlines, delivering high-quality results, and demonstrating accountability and ownership
• Demonstrated leadership abilities, sound judgment, and the ability to collaborate effectively within a team environment
• Strong analytical and problem-solving skills, with the ability to evaluate information from multiple sources, resolve conflicts, and translate business needs into functional requirements
• Excellent written and verbal communication skills
• Experience working with and developing requirements for application developers
• Proficiency with Microsoft Office Suite, including Word, Excel, PowerPoint, and Visio
• Working knowledge of Microsoft Visual Basic / VBNet syntax
• Advanced Microsoft Excel skills, including formulas, pivot tables, and macros
• Intermediate Microsoft Word skills, including mail merge
• Experience with project management tools and ticketing systems
• Functional understanding of SQL, XML, SOAP, and IIS web services

Additional Information

**Candidate must reside within the company’s footprint, which includes Tennessee, Alabama, Kentucky, and parts of North Georgia (excluding metro Atlanta).

Benefits

This position offers a base salary ranging from $80,000 to $120,000, depending on experience, along with bonus opportunities. Our client provides a comprehensive benefits package that includes medical, dental, and vision coverage, as well as HSA and FSA options. Additional benefits include paid time off (PTO), a 401(k) plan with company match, an Employee Assistance Program (EAP), and an Employee Stock Purchase Program (ESPP). The company also provides company-paid life insurance, along with a variety of other benefits designed to support employees’ overall well-being and financial security.

Summary

Apply today!

EEO Notice

Homeland LLC is an Equal Opportunity Employer. Homeland LLC provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state, and local laws. Homeland LLC complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. Reasonable accommodation is available for qualified individuals with disabilities, upon request.

The Company:

Largo Capital, Inc. has been providing commercial mortgage banking services, encompassing debt and equity solutions for commercial real estate projects for over 35 years. Throughout the U.S. and Canada, Largo represents 27 correspondent life lenders in addition to conduits, banks, debt funds, and credit unions.

The Job:

Largo is currently seeking a self-starter with an entrepreneurial mindset to join its team as a Debt Originator – Commercial Real Estate. The focus of the position will be to originate mortgage debt and equity utilizing Largo’s roster of 27 correspondent life company lenders and multiple other institutional sources including conduits, banks, debt funds, and credit unions.

Responsibilities:

· Originate debt & equity financing

· Cultivate relationships with owners and developers

· Facilitate, structure, and close commercial real estate mortgages

· Maintain and update database and activities within Largo’s CRM system

· Learn & understand the programs of Largo’s 27 correspondent lenders

· Work closely with other members of the team

· Gain an understanding of institutional debt and equity providers

Skills and Qualifications:

· Highly self-motivated

· Entrepreneurial attitude

· Excellent interpersonal and customer service skills

· In-depth understanding of the commercial real estate capital markets

· Work independently and within a team to build relationships and interact effectively with business partners

· Maintain confidentiality, utilize judgment, and work with minimal supervision

· Bachelor’s degree recommended, preferred major in Real Estate, Finance or Economics

· Minimum of 3-5 years of experience in the commercial mortgage industry

· Previous experience as a lender or mortgage banker is preferred

Pay includes base-salary plus a performance-based compensation package with unlimited earning potential based on the individual’s ability to originate and close transactions.

We are changing FINANCE to finance CHANGE!

Climate First Bank is a Florida Benefit Corporation, state chartered, FDIC insured commercial bank. We are the first commercial bank with a mission of reducing atmospheric CO2. Climate First Bank is the third bank started and scaled by serial bank entrepreneur, Ken LaRoe. Having started and sold Florida Choice Bank and First Green Bank, Mr. LaRoe has launched Climate First Bank as a built to last, values based, financial institution. Our first branch opened for business on June 1, 2021, in St. Petersburg, Florida and we have since expanded into the Central Florida market.

We are looking for a Residential Post Closer to ensuring the accurate and timely completion of all post-closing activities for residential mortgage loans. This role involves reviewing loan documents, coordinating with various stakeholders, and ensuring compliance with regulatory requirements.

Join us in this exciting start-up experience and take your career to a level unattainable in a traditional bank environment. Please send a resume to apply.

Benefits:

• Competitive compensation
• Employer paid medical, vision and dental insurance
• Employer paid disability and life insurance
• 401k match
• Employee Stock Options
• Compelling incentive plans
• Employee only rates for certain loan products
• Working with an amazing team of dedicated and like-minded individuals!
• Being part of an exciting venture with amazing opportunities for growth and opportunities!

Responsibilities:

• Review and verify all loan documents for accuracy and completeness.
• Ensure all post-closing conditions are met and documented.
• Coordinate with title companies, lenders, and other parties to resolve any discrepancies or issues.
• Prepare and submit final loan packages for either secondary market sale or holding in the bank's loan portfolio.
• Receive and account for all loan sales and transaction fees.
• Monitor and track the status of post-closing tasks to ensure timely completion.
• Communicate effectively with internal and external stakeholders to facilitate the post-closing process.
• Ensure compliance with all regulatory requirements and company policies.
• Maintain accurate reports of all trailing documentation from public records and title insurance companies and assist with audits as requested.
• Continuously improve post-closing processes and procedures to enhance efficiency and accuracy.

Requirements:

• High school diploma or equivalent required; associate's or bachelor's degree in finance, business, or related field preferred.
• A minimum of 2 years of experience in mortgage loan processing, closing, or post-closing.
• Strong knowledge of residential mortgage loan documents and post-closing procedures.
• A resourceful self-starter with strong attention to detail and excellent organizational skills.
• Ability to work independently and manage multiple tasks simultaneously.
• Excellent communication and interpersonal skills. Ability to anticipate needs and effectively communicate with a variety of stakeholders.
• Proficiency in Microsoft Office Suite and loan processing software.
• Knowledge of regulatory requirements and compliance standards in the mortgage industry.

Physical Demands:

* Sustained standing and sitting;

* Frequent use of PC, including typing or sustained attention to monitor;

* Occasional lifting of basic office files or equipment up to 20 lbs.

Climate First Bank recognizes that our people are our strength and the diverse talents they bring to our workforce are directly linked to our success. We place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans

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 person in this position will lead by example in the areas of community involvement, calling efforts, and customer service, including administering the Bank's strategy for achieving the annual goals and objectives relating to Loan Growth, Deposit Growth, Financial Services, Credit Administration and Business Development. A Branch Manager is responsible for meeting the financial service needs of customers while supervising assigned branch staff and adhering to required staffing levels. It is the Branch Manager's responsibility to ensure the Branch is in compliance with operating policies and procedures.

A Branch Manager 3 will normally manage a branch office having between $50MM and $99.9MM in combined loans and deposits (excluding commercial loans) and a staff of up to nine (9) FTE employees. This position may require mortgage loan origination experience and duties in addition to management of the level 3 branch. Level could also be impacted by related experience and/or mortgage lending capacity. This position may have consumer lending authority and/or business banking lending responsibilities.

Essential Responsibilities:

• Ensure assigned branch is properly staffed and staff is trained to meet customer sales and service needs as well as branch objectives
• Lead in the selection of new personnel and support scheduling to ensure branch coverage
• Review employee performance throughout the probationary period and on a regularly scheduled basis thereafter
• Manage and maximize performance levels of staff members through distribution of assignments and regular feedback
• Work with management to establish growth, sales and profit objectives
• Implement strategies to achieve goals assigned to the branch as established in the region's annual operating plan; assist in the development of the annual budget for the branch and adhere to budget parameters
• Serve as an active member of the customer service team and be held accountable for branch sales and lending performance
• Collaborate with other business partners & Bank affiliates to identify sales and referral opportunities
• Establish specific sales and customer service goals and conduct regularly scheduled sales and customer service meetings (at least monthly) with focus on having informed staff on progress and results
• Establish and confirm all branch operations are performed in accordance with established bank policies and procedures, either directly or through appropriate supervision (i.e. cash balancing, dual control, etc.)
• Coordinate proper security, facility, and risk measures to minimize loss, and to ensure presentation of the branch
• May monitor and review loans for appropriate risk rating to minimize risk rating changes by the bank's loan review processes
• Demonstrate cooperative efforts in working with other departments and within own branch while encouraging similar behavior from staff
• Actively participate in the community as a reflection of the bank's goal for strong community involvement
• Handle advertising and contribution requests
• Monitor progress and results throughout the year with the District and Regional Managers ensuring that the branch is performing at a level consistent to achieve established growth, sales and profit objectives
• 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 job-specific training requirements in a timely fashion

Ancillary Duties:

As an integral member of Retail Banking, this position is responsible to provide assistance wherever necessary to help the Branch and the Bank in achieving their annual goals. 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:

• Bachelor's Degree in Finance or Business or equivalent training preferred
• Specialized banking education, experience and training
• Valid driver license

Skills:

• Proficient reading, writing, grammar and mathematics skills
• Excellent interpersonal communication, negotiation and sales skills
• Evidence of positive and effective leadership qualities
• Sound judgement and reasoning
• Thorough knowledge of the features and benefits of bank products and services
• Working knowledge of bank operating policies and procedures
• Must be able to consistently demonstrate the Company's core values: Integrity, Excellence, Teamwork, and Humility

Experience:

• Minimum six (6) years of related experience normally required
• Minimum two (2) years supervisory experience normally required

Other:

This position requires National Mortgage Licensing System ("NMLS") registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act).

Hours: 40 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.

Position Summary

The Collections Specialist is responsible for handling delinquent residential mortgage, home equity, and consumer loan accounts to protect asset quality and minimize credit losses. The role focuses on early- and mid-stage delinquency resolution through structured borrower outreach, repayment plan development, and disciplined follow-up.

This position operates within the Bank’s established credit risk management framework and works in coordination with the Head of Portfolio Management, Head of Residential Lending, Chief Business Officer, and Chief Credit Officer to support portfolio performance, identify emerging risk trends, and ensure appropriate escalation of higher-risk credits. The Collections Specialist provides timely account-level reporting and supports management in monitoring delinquency levels, non-performing assets, and charge-off exposure.

Essential Duties and Responsibilities

Delinquency Management & Resolution

• Handle an assigned portfolio of residential mortgage, home equity, auto, and other consumer loan accounts (primarily 1–89 days past due; may assist with later-stage accounts as needed).
• Review daily delinquency reports to prioritize accounts based on risk rating, exposure, collateral position, and aging status.
• Conduct outbound and inbound borrower communication to obtain payment, establish repayment arrangements, or assess hardship circumstances.
• Monitor promises-to-pay and ensure consistent follow-up within established timelines.
• Maintain complete, accurate, and audit-ready documentation within the Bank’s system.

Portfolio Risk Coordination & Escalation

• Provide account-level updates and trend observations to the Head of Portfolio Management.
• Escalate higher-balance, adversely graded, or deteriorating credits to senior management as appropriate.
• Support periodic portfolio review discussions with executive leadership, including:
• Head of Portfolio Management
• Head of Residential Lending
• Chief Business Officer
• Chief Credit Officer
• Assist in identifying credits requiring downgrade consideration, non-accrual status, or charge-off review in accordance with policy.
• Prepare accounts for referral to legal counsel, foreclosure proceedings, or repossession vendors when authorized.

Loss Mitigation & Workout Support

• Evaluate borrower financial situations and recommend appropriate resolution strategies consistent with Bank policy, including:
• Payment extensions
• Repayment plans
• Short-term deferrals
• Loan modifications (where applicable)
• Collect and review required hardship documentation.
• Ensure all workout arrangements are properly documented and approved within delegated authority limits.
• Coordinate with Credit Administration for structured workout approvals when required.

Qualifications

Education

• Associate’s or Bachelor’s degree in Business, Finance, Accounting, or related field preferred.

Experience

• 2–5 years of collections, loan servicing, or credit administration experience within a financial institution.
• Experience handling residential mortgage and consumer loan delinquencies.
• Working knowledge of consumer lending regulations and mortgage servicing requirements.
• Familiarity with core banking and loan servicing systems.

Core Competencies

• Strong understanding of credit risk principles and consumer lending products.
• Ability to assess borrower repayment capacity and identify risk deterioration.
• Professional and effective communication skills.
• High attention to documentation and compliance standards.
• Sound judgment in escalation and risk identification.
• Must speak Spanish