Consumer Document Review Representative

Job Description

Job Description

Overview

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.

Responsibilities

As a key member of the Loan Operations Department, the Loan Operations Document Review Representative 1 is primarily responsible for reviewing loan documentation to ensure compliance with regulatory requirements and internal policies. This role plays a critical part in the accurate onboarding of loans from various loan origination systems (LOSs) into Community Bank’s core operating system.

Essential Responsibilities:

• Review loan documentation and verify new loan data in the system for accuracy, ensuring compliance with regulatory requirements and internal policies; escalate major loan violations to the supervisor for further review
• Identify and document exceptions for errors in calculations, missing documentation, and required corrections
• Verify contract figures, disclosures, signatures, and supporting documentation based on loan type requirements
• Review insurance applications and health-related eligibility questions, identifying and documenting exceptions for calculation errors or missing information
• Enter and update data for loan renewals and modifications directly into the core system
• Process cross-applications within the core system to allocate funds and fees to the appropriate general ledger during loan onboarding
• Handle maintenance requests submitted by Loan Operations or other departments
• Review and resolve general ledger discrepancies by processing necessary cross-applications and maintenance adjustments
• Verify and process auto transfer forms in the system to ensure accuracy
• Configure and manage document accessibility within the department's software systems
• Maintain a strong working knowledge of all relevant laws, regulations, policies, and internal controls, ensuring ongoing compliance and timely completion of job-specific training requirements

Ancillary Duties:

• Provide assistance wherever necessary to help the Loan Operations Department and the Bank in achieving their annual goals
• Perform other related duties as assigned or directed

Qualifications

Education, Training and Requirements:

• Associate’s degree or equivalent work experience in related field required
• Bachelor’s degree preferred
• All applicants must be 18 years of age or older

Skills:

• Strong attention to detail as well as proven organizational and analytical skills
• Ability to manage multiple tasks and prioritize effectively under time constraints
• Excellent written and verbal communication skills
• Proficiency in Microsoft Excel and Word, with the ability to create and manipulate data
• Problem-solving skills with the ability to research and resolve issues independently

Experience:

• Preference will be given to candidates with a minimum of one (1) year of banking experience, along with knowledge of lending products and services. Ideal candidates should also have a working understanding of the documentation required for onboarding loans to the core servicing system.