Careers

Essential Functions / Major Duties

Responsible for performing a variety of duties related to the loan operations function.  Meets strict deadlines while preparing all consumer loan documentation.  Assists Bank staff with all loan operations related questions.

• Scans loan files to Synergy; index and review scanned files.
• Prepares all re-disclosure loan estimates.
• Ensures compliance by processing new installment loans and notes within in strict deadline requirements.
• Assists Loan Underwriters with preparations for closings, including contacting attorneys and insurance companies as necessary.
• Prepares preliminary commitment and closing documents via Onboard loans and MortgageBot.
• Puts through debit/credit entries and closes files.
• Assists with loan application processing including ordering flood certifications, credit bureau reports and GEO coding.
• Prepares a variety of letters and forms including adverse action letters for declined loans, insurance disclosure and acknowledgment forms, verification of deposit, verification of employment forms, attorney referrals, title insurance requests and tax and title searches.
• Inputs system changes for all mortgage modifications.
• Compiles various reports including ARM index update, HMDA review, ARM HELOC disclosures.
• Reviews new loan set-ups.
• Assembles mortgage files when received in Loan Operations.
  • Reviews files for missing docs, correct rate, program information & supporting documentation.

Job Specific Knowledge, Skills, & Abilities:

• Meets or exceeds productivity and accuracy goals.
• Participates, as necessary, to ensure department responsibilities are completed on time.
• Maintains a working knowledge of all applicable software, systems and equipment.
• Promotes a positive team environment
• Participates in creating operating efficiencies.
• May provide guidance and training to other Loan Operations Representatives.
• Performs other duties as assigned.

Education and/or Experience:

• A high school diploma or equivalent required
• 6-12 months related experience normally preferred (Retail sales, customer service and cash handling)
• Completion of the Principles of Banking course between the first and third year of employment

Working Conditions:

• Subject to frequent interruptions
• Extensive time spent viewing a computer screen
• Subject to prolonged periods of time in a seated position

Pay Range: Min $17.76 hr.- $23.63 hr

EEO/AA/Veterans/Disability

• Johnson City, NY
• Upper Front St – Binghamton, NY
• Broome/Tioga County – FLOAT 

Essential Functions / Major Duties

Services customers through various teller transactions.  Provides customer service to retain and grow customer relationships.  Cross-sells products and services and identifies business opportunities for referrals to appropriate personnel.

• Services customers through various teller transactions including, cashing checks, processing deposits and accepting various payments.
• Sells treasurers’ checks, money orders, etc.
• Provides customer service to retain and grow customer relationships by acknowledging and greeting customers in a friendly and courteous manner.
• Responds to and follows through on customer inquiries in a timely and professional manner.
• Identifies customer products and service needs to enhance customer relationships while achieving the Bank’s financial goals by actively participating in all sales promotions.
• Identifies business opportunities and refers customers to appropriate personnel including Tioga State Investment Services , Commercial Loans, Mortgage Originators and Consumer Loans
• Maintains an accurate cash drawer in accordance with balancing and cash handling standards.
• Produces accurate work documentation impacting other internal departments as well as external customers.
• Balances the vault and ATM machine(s).

Job Specific Knowledge, Skills, & Abilities:

• Exceptional customer service and interpersonal skills
• Ability to read, write and speak English effectively; effective communication skills
• Ability to perform basic math (add, subtract, multiply, divide)
• Proficient eye-hand coordination and manual dexterity
• Proficient ten-key skills and data entry skills
• Attention to detail and accuracy skills
• Ability to prioritize, organize and multi-task
• Ability to continually increase work speed while maintaining accuracy
• Ability to maintain use of discretion
• Ability to operate various office machines
• Ability to lift approximately fifty (50) lb of coin.
• Knowledge of bank consumer products and services, along with the operating polices and procedures that impact these products
• Ability to recognize customer product and services needs; basic sales skills

Education and/or Experience:

• A high school diploma or equivalent required
• 6-12 months related experience normally preferred (Retail sales, customer service and cash handling)
• Completion of the Principles of Banking course between the first and third year of employment

Working Conditions:

• Subject to frequent interruptions
• Subject to prolonged periods of time in a seated or standing position

Pay Range: Min $15.50 – Max $19.00

EEO/AA/Veterans/Disability

Broome County, NY

Essential Functions / Major Duties

Responsible for providing mortgage loan guidance and services to current and potential bank customers.  Will work with community offices and Office Managers to promote the entire line of bank services to meet the overall financial needs of current and prospective bank customers.

• Interviews customers to gather information pertaining to their unique financial situations and needs. Advises and directs customers to appropriate loan program.  Prequalifies potential applicants.
• Guides the entire application process, assisting customers from application to closing and troubleshooting any transaction issues. Educates customers on the home buying process and managing their mortgage.
• Promotes the entire line of bank products and services, working with individual offices to service the overall needs of customers.
• Assists customers in obtaining specialized services from other bank departments as necessary.
• Participates in group sales calls with other bank staff, including Community Office Managers, to improve the opportunity to gain new business from existing and prospective customers.
• Provides sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports

Job Specific Knowledge, Skills, & Abilities:

• High school diploma or equivalent required.
• Minimum of four (4) years related experience normally required.
• An Associates degree in a related field of study normally required, Bachelor’s degree preferred.
• Specialized mortgage training normally required.

Education and/or Experience:

• High school diploma or equivalent required.
• Minimum of four (4) years related experience normally required.
• An Associates degree in a related field of study normally required, Bachelors degree preferred.
• Specialized mortgage training normally required.
• Completion of the Principles of Banking course between the first and third year of employment.
• Valid driver’s license and clean driving record.

Working Conditions:

• Extensive time spent driving
• Travel between all Bank office locations is required
• Some travel for training, seminars, etc. required
• Subject to frequent interruptions
• Subject to early morning and late evening meetings/appointments

Pay Range: Min $19.35 Hr.  Max – $25.78 Note: The hourly figure noted is for base pay. In addition to the base pay there is a generous commission schedule.

EEO/AA/Veterans/Disability