Loan Operations Research and Disputes Representative

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 an integral member of the Loan Operations Department, this position is primarily responsible for research requests, internal and external credit disputes (e-Oscar) within regulated time frames. Additionally, this role will process bankruptcy updates to the system and update e-Oscar, process charge-off requests, and assist with telephone inquiries from internal and external customers.

• Work research requests received from branches and external customers along with information requests from government or other financial institutions.
• Work credit disputes received directly from customers/branches/departments along with external disputes received from e-Oscar (ACDV) within the regulated time frame. Process the respective maintenance to the system and prepare follow-up/response letters to customers if applicable.
• Process the respective maintenance for bankruptcy updates received from the Collections group and update the credit bureaus accordingly
• Prepare and process charge-off requests submitted by the Recovery Department
• Prepare letters to customers on an as needed basis.
• Review various reports for errors and discrepancies within each loan application and process necessary maintenance
• Assist with telephone inquiries from internal and external customers, payment history requests, billing adjustments, and daily mail payments as needed
• Cooperate with other members of the Loan Support unit and the other units to achieve departmental goals
• 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 pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion

Education, Training and Requirements:

• High School Diploma or GED required
• Associates degree or equivalent work experience and/or training required
• All applicants must be 18 years of age or older

Skills:

• Professionalism and an effective team player
• Effective verbal and written communication skills
• Attention to detail and proven organizational skills
• Ability to multi-task
• Ability to prioritize and work accurately in a time-sensitive environment
• Excellent personal computer skills with proficiency in Word and Excel
• Research and problem solving skills
• In depth knowledge of loan applications and Synergy, also general knowledge of deposit operations functionality
• 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 experience in related field 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.