Consumer Real Estate Servicing Assistant Manager (On-Site)

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.

Essential Responsibilities:

• Assists the Consumer Real Estate Servicing Manager in leading and managing the Mortgage Collections, Loss Mitigation, Foreclosure & Bankruptcy, Asset Management, and Property Preservation sections of the department, which includes, but not limited to:

  • • Personnel issues such as hiring, training, coaching, and discipline
    • Conducting internal department audits to locate areas needing improvement and clearing exceptions to remain compliant
    • Preparing work schedules and processes to expedite workflow
• Develops, maintains and administers policies and procedures established and guided by the Bank, Investor, and/or regulatory agencies, to remain in compliance
• Addresses borrower complaints, escalations, and issues promptly, ethically, and fairly by following agency and Bank guidelines and procedures
• Collaborates with other departments and branches to improve or develop effective practices, address needs and expand on opportunities
• Confirms all monthly department requirements are processed and approved, whether through conducting, oversight, or delegating, which includes, but is not limited to:
  • Non-accrual placement
  • Reversing non-accrual placement
  • Charge-offs and write-downs
  • Investor delinquency reporting
  • General ledger reconciliations
  • Other reports and process as required
• Performs all collection and servicing 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, ensures ongoing adherence to pertinent policies, procedures, and internal controls, and meets all job-specific training requirements in a timely fashion

Education, Training and Requirements:

• A.A. or A.S. degree required
• B.A. or B.S. degree strongly preferred
• Business field of study strongly preferred
• All applicants must be 18 years of age or older

Skills:

• Proficient reading, writing, and grammar skills
• Excellent mathematical skills
• Thorough knowledge of Excel
• Able to demonstrate ability to analyze data from reports/workbooks
• 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
• 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: a strong work ethic, integrity, respect for others, responsibility, transparency and humility

Experience:

• Minimum of four (4) years supervisory experience strongly preferred, two (2) years required
• Secondary to supervisory experience above, minimum of four (4) years in a finance, accounting, collection, loss mitigation, servicing real estate loans, legal, or real estate field preferred

Hours: 40 hours per week (Monday - Friday 8:00 am - 4:30 pm). Nights and weekends as needed.

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, the ability to focus, and tolerant to a well-lit office environment.

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.