Community Bank, N.A. · 22 hours ago
Digital Mortgage Loan Officer
Olean, NY
Full-time
Onsite
Mid Level
$24.75/hr - $38.31/hr
3+ years expCommunity Bank, N.A. is dedicated to providing personalized financial services and products. The Digital Mortgage Loan Officer is responsible for reviewing and evaluating mortgage loans, gathering and analyzing information to meet regulatory guidelines, and ensuring exceptional customer service throughout the loan application process.
BankingFinancial ServicesPersonal FinanceWealth Management
Responsibilities
Interview applicants via remote means to establish or enhance a lending relationship
Act as the customer’s point of contact and information source from the application through booking process
Inform customers of the institution’s loan programs, underwriting guidelines and applicable government regulations
Assist customers in completing pre-qualification requests for real estate lending
Collect and analyze pertinent information regarding income, assets, debts and credit data in order to complete a residential loan application
Thorough expertise in product knowledge, assist the customer in determining which products best meet their individual needs and financial circumstances
Gather and submit the required documentation for loan decision
Render loan decisions, communicate approvals, denials and counter-offers to the applicant while maintaining strict confidentiality of critical customer financial information
Actively participate in ongoing training and education as directed by Manager
Ensure exceptional customer service, both internal and external, by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements
Demonstrate a commitment to professional ethics and comply with all Federal and State compliance policies
Adhere to established operating policies and procedures in order to maintain adequate controls and to support the Bank’s compliance to outside regulatory requirements
Maintain responsibility for the loan file and documentation through processing, underwriting, closing and post-closing by following the transaction through to its conclusion
Complete annual training requirements pertaining to Federal and State laws/regulations on or before due dates and attend in-hour training pertaining to sales, service and technology throughout the year
Perform other related 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 policies, procedures, and internal controls, and meet all training requirements in a timely manner
Cooperate with other members of department to achieve department goals
Cooperate with employees of other departments to provide quality service, solve problems and achieve company goals
Qualification
Required
Associate's Degree or equivalent work experience required
Specialized banking and lending education and training required
All applicants must be 18 years of age or older
Highly organized and extremely motivated
Excellent interpersonal and communicative skills
Excels at working independently
Results driven decision maker
Proficiency in reading, writing and grammar
Strong analytical and mathematics skills
Familiarity with general real estate lending policies and procedures
General knowledge of underwriting requirements to comply with regulations and investor guidelines
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)
Preferred
Superior degree in business, finance, banking or accounting is preferred
Knowledge of Encompass LOS, preferred
Minimum 3 years of banking (preferably mortgage loan) experience preferred; however, applicants with a secondary education in finance, accounting or business may be considered
Benefits
11 paid holidays
Paid vacation
Medical, Vision & Dental insurance
401K with generous match
Pension
Tuition Reimbursement
Banking discounts
Company
Community Bank, N.A.
Community Financial System Inc.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Jeffrey Connolly
SVP, Head of Business Banking Credit & Operations
Melissa Bollman
Head of Retail Banking
Recent News
Central New York Business Journal
2026-01-16
Central New York Business Journal
2025-12-12
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