Mortgage Coordinator

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.

The Mortgage Coordinator is responsible for supporting the mortgage origination and processing workflow by coordinating documentation, communications, and internal processes from application through closing. This role serves as a key operational contact between borrowers, Mortgage Loan Consultants, underwriters, closing staff, attorneys, and other third-party vendors. The Mortgage Coordinator helps ensure files are complete, accurate, compliant, and progressing in a timely manner through each stage of the mortgage process.

• Review incoming loan files for completeness, accuracy, and readiness for next-step processing.
• Download, organize, and maintain borrower documentation in the appropriate systems and file structure.
• Communicate with borrowers and internal partners to obtain missing documentation and resolve outstanding items.
• Assist in securing and documenting intent to proceed, as applicable.
• Order required third-party services, including appraisals, attorneys, title work, and other supporting services, as needed.
• Prepare and issue required notices or documentation, including decline documentation and 10-day letters when appropriate.
• Ensure documents are properly categorized, uploaded, and prepared for underwriting review.
• Coordinate file movement between origination, processing, underwriting, and closing functions.
• Review appraisal-related documentation and assist with clearing appraisal conditions in accordance with internal procedures.
• Track and manage outstanding bank conditions and follow up to ensure timely resolution.
• Maintain accurate loan records and ensure all required documentation is complete prior to submission to underwriting and closing.
• Communicate status updates to appropriate stakeholders throughout the loan lifecycle.
• Support compliance with applicable lending regulations, internal policies, and procedural requirements.
• Work closely with the Closing Coordinator to ensure files are properly transitioned for closing.
• Provide a high level of internal and external customer service throughout the mortgage process.

Ancillary/Secondary Duties:

As a member of the Mortgage team, this position is also responsible to provide assistance wherever necessary to help the Mortgage Department and the Organization in achieving their annual goals and objectives.

Education/Training/Requirements:

• Associate's degree or higher with a concentration in Business, Finance, Banking, or a related field preferred; relevant professional experience may be considered in lieu of degree
• May require occasional extended hours based on loan volume and closing deadlines
• All applicants must be 18 years of age or older.

Skills:

• Working knowledge of mortgage loan documentation, lending terminology, and workflow processes
• Familiarity with loan origination systems, document imaging systems, and Microsoft Office applications
• Ability to remain current on mortgage industry compliance requirements and regulatory changes
• Ability to proactively identify and resolve issues throughout the mortgage process, ensuring timely loan progression and minimizing delays
• Strong organizational and time management skills with the ability to manage multiple files and deadlines simultaneously
• Results oriented with a strong commitment to meeting deadlines, maintaining quality, and following through on commitments
• Strong customer service orientation with a commitment to providing exceptional service and support
• Strong written and verbal communication skills
• Ability to work with a high degree of accuracy and attention to detail
• Ability to handle confidential information with professionalism and discretion
• Embrace and utilize artificial intelligence programming authorized for use in the company's working environment
• Must consistently demonstrate the company's core values; Integrity, Excellence, Teamwork, and Humility

Other:

• This position requires National Mortgage Licensing System ("NMLS") registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Candidates who do not currently hold NMLS registration must be able to successfully obtain and maintain registration upon hire.

Hours: 40hours/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.