Indirect Loan Representative

At 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.

This position will have lending authority to purchase credits in a timely, effective manner and will communicate credit decisions to dealers in a professional manner. This position is responsible for supporting the Business Development Officers with the development and activation of new dealer relationships as well as supporting the data entry and discounting units.

• Has designated Indirect Lending authority based on experience and background
• Works in unison with the BDO's to build and strengthen dealership relationships
• Provides quality service to customers, whether internal or external
• In conjunction with managements, recommends and develops new programs to new and existing dealerships
• May make sales calls with BDOs on occasion throughout the year
• Is responsible for providing a high level of customer service as follows:
  • Quote loan payoffs, contract figures and dealer reserve information to dealers over the telephone
  • Obtain missing information on credit applications in processing
  • Handle dealership/customer issues and complaints for indirect portfolio
• May investigate and support the BDO to resolve dealer inadequacies in an effort to protect the Bank's assets
• Actively cross-sell other bank loan and deposit products
• Actively support and participate in the sales culture of the department by taking a pro-active approach with telephoning dealerships to solicit business
• Comply with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory agencies
• Other duties as assigned or directed
• 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, B.S. or B.A. degree in a related field of study strongly preferred
• History of specialized training in sales and/or marketing
• Valid drivers' license

Skills:

• Strong sales and interpersonal skills
• Thorough knowledge of the features and benefits of all bank indirect loan products and services
• Proficient reading, writing, grammar, and mathematics skills
• Proficient interpersonal relations and communicative skills
• General knowledge of current lending regulations
• Moderate computer skills
• Working knowledge of bank operating services
• Must be able to consistently demonstrate the Company's core values: a strong work ethic, integrity, respect for others, responsibility, transparency and humility

Experience:

• Minimum of three (3) years' experience in a related lending or dealer services field normally required.

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: