Mortgage Processor (OnSite: Olean, NY)

OverviewAt 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.ResponsibilitiesThis position is responsible to understand, comprehend and maintain with all laws and regulations such as TILA-RESPA, ATR/QM and HMDA. This position is also 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:Review and evaluate loan applications and all supporting documentationAnalyze and approve residential appraisals to ensure collateral meets program and investor guidelinesCommunicate with lenders and appropriate vendors to obtain information per requirements associated with loanProvide guidance to underwriters regarding procedures required to take action on problem loan applicationsAnalyze and clear loan conditionsComplete verbal on all loans - including contacting employersPrepare loans to proceed to closing tableParticipate in wiring procedureOther duties as assigned or directedMaintain 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 mannerAncillary Duties:Cooperate with other members of department to achieve department goalsCooperate with employees of other departments to provide quality service, solve problems and achieve bank goalsQualificationsEducation, Training and Requirements:Associates Degree or equivalent mortgage processing or legal office real estate closing experience requiredAll applicants must be 18 years of age or olderSkills:Proficient reading, writing, grammar and mathematics skillsAbility to analyze and interpret income, assets and creditAbility to work under pressure and work effectively under time constraintsGood written and verbal communication skillsResearch and problem solving skillsProficient in Microsoft Word and ExcelMust be able to consistently demonstrate company's core values: integrity, excellence, teamwork, and humilityExperience:Two (2) years of mortgage experience is preferredTwo (2) years of mortgage experience is preferredOther Job InformationHours: 40hours/weekCompensation: 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 succes