Consumer Real Estate Servicing Collections Supervisor

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

This position supports senior and department management in maintaining compliance with bank and investor guidelines, as they pertain to servicing residential mortgage loans. Specifically, this position is responsible for managing the CRES Collections Team and maintaining best-in-class delinquency rates through effective calling campaigns, efficient loss mitigation negotiation efforts, and, if necessary, making the sound decision to foreclose.

Essential Responsibilities :

• Supervises all aspects of the CRES Collections unit
• Will assist with personnel items such as hiring, coaching and disciplinary actions
• Conducts internal department audits to ensure regulatory and Investor compliance
• Creates and modifies workflows and processes to promote efficiency
• Develop, maintain and administer policies and procedures established and guided by the bank, investor, and / or regulatory agencies in order to remain in compliance
• Ensures CRES Collections unit adheres to all investor, federal, state, and local regulations and guidelines
• Maintains quality control measures to minimize delinquency rates
• Administers pre-foreclosure workflow functions (NY90 / PA91; CBA’s; Breaches, etc.) to ensure Legal / Foreclosure tam and proceed with legal actions to protect Bank’s collateral
• Acts as department trainer for collections system
• Assists and support with responding to department audits conducted by internal and external agencies and investors
• Collaborate with department and team leadership on all aspects of consumer real estate default management
• Performs 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 policies, procedures, and internal controls, and meet all training requirements in a timely manner

Ancillary Duties :

As an integral member of the Consumer Real Estate Servicing Department, this position is also responsible to provide assistance wherever necessary to help the Consumer Real Estate Servicing Department and the Bank in achieving their annual goals.

Qualifications

Education, Training and Requirements :

Skills :

Experience :