- Ensures the Bank meets the residential real estate credit needs specific to the CLTL's assigned geography, specifically in LMO and majority minority census tracts.
- Solicits mortgage applications in LMI and majority minority census tracts that meet the criteria of current product offering. Informs customers of the institution's loan programs, underwriting guidelines, and regulatory requirements applicable to mortgage loan applicants.
- Engages affordable housing agencies to mine grant and other special programs to assist potential customers, primarily in majority minority and LMI census tracts, to the path of home ownership.
- Participates in Bank committee meetings dedicated to advancing home ownership to LMI and majority minority tract borrowers.
- Schedules appointments to fit the needs of the customer whether on company premises or at a mutually convenient location.
- Personally interviews all applicants to collect and analyze pertinent information regarding income, assets, debts and credit data. Determines which products best meet the needs and financial circumstances of the potential borrower, and advises them regarding the features and benefits of different loan programs.
- Completes each loan application and all pre-processing functions in a timely manner to permit disclosures to be provided within required regulatory time-frames. Gathers and submits with each application the documentation necessary to render a loan decision utilizing independent judgement to make lending decisions.
- Cross-Sells company products and services by referring customers to the appropriate individual or department, to include: deposit accounts, trust services, business banking, consumer lending, insurance and personal financial services, and any other products or service offered by the company to promote a complete banking relationship.
- Develops new loan business by continuously marketing to former satisfied customers, real estate agents, home builders, attorneys, accountants, financial planners and other potential referral sources. Represents the bank in local business and community organizations and events to develop additional business. May present seminars to general public and real estate community for community outreach and to promote additional business.
- Develops and maintains current competitive market information. Keeps informed of trends and developments in the local market, as well as changing rules and regulations pertaining to the mortgage industry.
- Provide ongoing guidance and training to other loan officers regarding community development lending opportunities.
- Ensures exceptional customer service, both internal and external by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics and complying with all Federal and State compliance policies.
- Complies with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.
- Completes annual training requirements pertaining to Federal and State laws/regulations on or before due dates. Attends in-house training pertaining to sales, and technology throughout the year.
- 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
- An Associates Degree or equivalent preferred: specialized Banking and lending education and training; sales training.
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CRA Lending Team Leader - East Syracuse, United States - Community Bank System, Inc.
Description
OverviewAt Community Bank System, Inc. (CBSI), 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 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 CBSI, 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.
Responsibilities
As a member of the Retail Banking Team, the CRA Lending Team Leader (CLTL) originates mortgage loans to meet individual and department production goals.
The CLTL in responsible for establishing and maintaining strong professional ties, specifically to business generators in low to moderate income (LMI) and majority minority census tracts, in order to develop new mortgage business.
Education, Training and Requirements:
Other:
Candidates being considered for this position will be subject to additional background checks as required by regulations.
Employees in this job must register and comply with all rules and regulations of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act).
Employees hired or transferring into this position will need to meet the qualification requirements, in Community Bank's sole discretion, under Reg.
Z, prior to acting as a loan originator in a consumer credit transaction secured by a dwelling.Qualification requirements include but are not limited to an assessment of overall financial responsibility, character, and general fitness through review of a criminal background check, and credit report.
Skills:
Proficient reading, writing, grammar and mathematics skills; PC knowledge, proficient interpersonal relations and communicative, and sales skills; a working knowledge of Bank operating policies and procedures which impact consumer services; a thorough knowledge of the features and benefits of all the Bank's mortgage/home equity products and services.
Experience:
Seven (7) to Ten (10) years of experience in banking, including five (5) to Seven (7) years of lending experience normally required.
Other Job Information
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.Community Bank System, Inc. 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.
Community Bank System, Inc. 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:
Minimum
USD $64,000.00/Yr.
Maximum
USD $108,804.00/Yr.
