Collector

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 will comply with bank and investor guidelines in the collection of delinquent portfolio and investor consumer real estate loans.

Essential Responsibilities :

• Work and maintain past due portfolio consumer real estate loans assigned queue within collections module to reduce mortgage delinquency, apply funds to delinquent accounts, and determine need for appropriate assistance based on communications by telephone, written, or on an isolated occasion in person
• Collect past due portfolio consumer real estate loans by telephone, or on an isolated occasion in person
• Collect past due secondary market and guarantor, such as Federal Housing Administration (FHA), State of New York Mortgage Agency (SONYMA), Federal National Mortgage Association (FNMA), Mortgage Partnership Finance Program (MPF), Mortgage Asset Program (MAP), Federal Home Loan Mortgage Corporation (FHLMC), United States Department of Agriculture (USDA), Department of Veteran's Affairs (VA) mortgages by telephone and written communication according to each appropriate investor's guidelines. May meet directly with past due borrower at times.
• Handle inbound and outbound collection calls professionally and efficiently
• Prepare and mail notifications to delinquent borrowers per investor, guarantor, state, insurer, or bank guidelines
• Utilize collections module to document all collection efforts maintaining accurate records
• Comply with applicable regulations including the Fair Debt Collections Practices Act, Real Estate Settlement Procedures Act, Service member Civil Relief Act, Dodd-Frank Act (UDAAP) as they relate to consumer real estate loan collections.
• Comply with federal bankruptcy laws and regulations to ensure accounts are handled according to plan
• 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
• Perform other related duties as assigned or directed

Ancillary Duties :

As an integral member of the Consumer Real Estate Servicing Department, this position is responsible to assist the department, as well as the Company, in achieving their goals

Qualifications

Education, Training and Requirements :

High School Diploma or GED required

All applicants must be 18 years of age or older

Skills :

Keyboarding

PC proficiency including Windows

Excellent interpersonal and communication skills

Working knowledge of bank policies and procedures

Familiarity with collection, foreclosure and bankruptcy laws; fair debt collection practices and servicing requirements of various secondary market investors and government agencies

Must be able to consistently demonstrate company core values : integrity, excellence, teamwork, and humility

Experience :

Collection experience highly preferred

Mortgage loan processing preferred

Other Job Information

Hours : 40 hours / week (some OT including nights, weekends & holidays as needed)

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.

Minimum

USD $18.25 / Hr.

Maximum

USD $24.71 / Hr.