Loan officer jobs in Syracuse, NY - 23 jobs

*** This is where your organization can create a consistent intro to all of your jobs, creating consistency in voice and messaging across all job posts *** C'est ici que votre organisation peut créer une introduction cohérente à tous vos emplois, en créant une cohérence dans la voix et la messagerie dans tous les postes. About AgWest Farm Credit AgWest Farm Credit is a cooperative lender with deep roots in the rural communities we serve. We provide reliable, consistent credit and financial services to farmers, ranchers, agribusinesses, and rural homeowners across the Northwest and beyond. Our mission is to support agriculture and rural communities with dependable financial solutions tailored to their needs. Job Summary As a Loan Officer at AgWest Farm Credit, you will play a vital role in fostering relationships with agricultural producers and rural customers. You will be responsible for developing and managing a portfolio of loans, evaluating creditworthiness, structuring financial packages, and supporting the long-term success of your clients and the cooperative. Key Responsibilities Develop and maintain strong customer relationships with farmers, ranchers, and rural clients in your assigned territory. Analyze financial statements, cash flows, collateral, and credit history to assess risk and determine creditworthiness. Structure, underwrite, and present loan packages that meet client needs and comply with internal lending policies and regulatory standards. Monitor existing loans for risk, compliance, and performance; proactively identify and address potential issues. Collaborate with internal teams including credit analysts, appraisers, and crop insurance specialists to deliver holistic financial solutions. Identify new business opportunities and contribute to portfolio growth through community involvement and client outreach. Ensure accurate documentation and compliance with all AgWest and regulatory lending requirements. Maintain current knowledge of agricultural industries, regional economic trends, and market conditions. Qualifications Bachelor's degree in Agriculture, Finance, Business, Economics, or related field (Master's degree preferred). 2+ years of experience in lending, banking, or agriculture-related financial services. Strong knowledge of agricultural operations, commodity markets, and rural business dynamics. Excellent financial analysis, credit evaluation, and decision-making skills. High level of integrity, professionalism, and relationship-building ability. Proficiency in Microsoft Office and loan origination systems. Willingness to travel within the assigned region and engage with customers on-site. Preferred Attributes Experience working directly with agricultural clients or in a rural lending environment. Knowledge of cooperative lending principles and familiarity with Farm Credit System practices. Certification in credit analysis or ag lending (e.g., ABA Agricultural Lending Institute) is a plus. What We Offer Competitive compensation and performance-based incentives Comprehensive benefits package (medical, dental, vision, 401k match, paid time off) Opportunities for professional development and career advancement A mission-driven workplace with a strong sense of community and service Example corp has taken great measures to make sure that every employee is compensated fairly and therefore, pay transparency even before we receive your application is important to us. We've consulted 3 different data sources to triangulate a range commiserate with location and experience. New York pay band$80,000-$100,000 USD *** Similar to the introduction that can precede all job descriptions, an outro can also be formatted for consistency on all posts *** Semblable à l'introduction qui peut précéder toutes les descriptions de poste, une outro peut également être formatée pour la cohérence sur tous les messages

Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers. High school diploma or equivalent and appropriate licenses as required by state. Valid driver's license and current automobile liability insurance. A minimum of 12 months loan originator experience required. Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. Ability to quickly assess and process large amounts of data and use of appropriate AU software technology. Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts. Continue to expand knowledge of issues influencing the industry and the organization. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required. Markets and promotes PrimeLending's financial products; Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set. Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. Collects and analyzes information regarding the customer's income, assets, investments or debts. Advises the customer regarding the advantages and disadvantages of different loan products. Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information. Oversees the loan process by monitoring loan status and ensures conformity with terms. Communicates loan status to all interested parties, and obtains loan documentation after closing. Presents terms and conditions of loans with customers. Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages. Maintains a professional image and adheres to standards consistent with company policies and procedures. May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s). Other duties as assigned.

Job Description This position is a sales position with the primary purpose to increase Commercial Lending relationships for the Credit Union, as well as manage all commercial relationships on an ongoing basis. The employee will call on and interview prospective borrowers and depositors, request and analyze financial data, package information to the underwriters, help maintain the credit files, and assist in managing the other day to day commercial relationships and the commercial loan portfolio in general. In this position, the employee should be able to perform daily tasks independently and have a good knowledge of acceptable loans and how to package them. This position will play an instrumental role in the development of product and services offerings for our business membership. The employee's collaboration in this effort will directly contribute to the growth, development, and strength of the overall business loan portfolio. Reporting: Hybrid/Remote capability Compensation: $118,636 - $154,227 annual Essential Functions & Responsibilities: Solicit new business relationships and develop existing business relationships. Call on clients to expand existing business; call on prospects seeking opportunities to expand the Credit Union's member base. Help build and cultivate relationships. Gain an understanding of these businesses, document the findings on an ongoing basis, and cross sell products and services that are in the best interest of these companies. These tasks should be completed with little supervision. Take applications for commercial loan business. Review financial information, as required for credit worthiness, and make a reasonable determination using sound judgement as to whether the process should continue. Prepare a written synopsis of the qualified loan request and gather all the required information necessary to analyze and send to the underwriters. Complete or direct completion of all loan documents and closes loans. Assist in the annual review of borrowing relationships. Assist members with any loan-related and deposit-related questions and concerns. These tasks should be completed with little supervision. Represent the Credit Union in the local communities through proactive participation in community, charitable, business and social activities to allow for maximum client and customer contact and expand the Credit Union's member base. Community involvement and engagement is integral and required in this role. Tracks, measures, and reports business development efforts, sales, and events. Responsible for production goals. Monitor existing loan portfolio to maintain a high-quality asset base. Maintain up-to-date member files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation. Make underwriting decisions within approval authority. Interface with Marketing/Sales for the execution of advertising and promotions for Business Services. Work with branch managers to solicit businesses located in the vicinity of the branch. Performs other job related duties as assigned. Knowledge and Skills: Experience: Five years to eight years of similar or related experience. Education: 1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other skills: 1. Communication Skills - Ability to understand and follow complex written and oral instructions; ability to comprehend complex functions and procedures and to be able to relate that knowledge in a clear and understandable format to others; ability to express oneself clearly and concisely both orally and in writing. Must have excellent communication and PR skills. 2. Judgment and Analytical Skills - Procedures, job standards, and specific policies guide decisions and actions. Moderate amount of discretion available in the role, often with multiple courses of action. Decision-making occurs within pre-defined parameters and may be reviewed by a supervisor prior to action. Decisions outside of role parameters take the form of recommendations. Ability to gather, assemble, correlate, and analyze facts and develop solutions; ability to analyze statistics and financial data; ability to work within precise standardized guidelines with some latitude to make decisions and take initiative to resolve problems of unique circumstances. 3. Mental Aptitude - The role solves complex problems and delivers solutions where past precedent may not exist. Requires a significant degree of creativity and the ability to analyze data, weighing the desirability and/or profitability of possible outcomes in relationship to each other. May require formal education that provides working knowledge of discipline-specific theories or principles. 4. Organizational Skills, Time Management Skills, and Flexibility - Ability to assess needs of multiple members and prospective members and prioritize requests to ensure that all receive the highest quality service; ability to handle daily routine with moderate freedom to interpret and act upon various situations; ability to interact with more than one department daily; ability to work under pressure and adhere to tight deadlines; ability to switch between assignments quickly, ability to remain calm in tense member service situations. 5. Sales Skills - Ability to recommend, refer, and sell Credit Union products by determining member needs based on account information and conversation; ability to meet and exceed sales-quotas as assigned by the Credit Union. Must be self-motivated. 6. Mathematical Skills - Ability to add, subtract, multiply, and divide quickly and correctly; ability to use calculator, ability to count cash. Ability to analyze business financials to determine loan feasibility. Must have experience in analyzing business financial statements and assessing the financial viability of businesses. 7. Technology Skills - Proficiency with PC, Windows, Microsoft Outlook, Microsoft Word, Microsoft Excel, etc., based software. This position requires a valid driver's license and ability to operate a motor vehicle. Significant amount of time will be spent on the road. Physical Requirements: Driving to market areas to meet with prospects and exiting businesses. While performing the duties of this job, the employee is frequently required to sit or stand for extended periods of time. Equal Opportunity Employer/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Job Posted by ApplicantPro

At OneMain, Loan Sales Specialists empower customers by listening to their needs and providing access to friendly, fast, and affordable financing for life's expenses. In this role, our team members thrive in a competitive atmosphere where hard work and dedication directly influence success. This role provides rewarding professional development and advancement opportunities in a dynamic and supportive environment. Loan Sales Specialists enjoy competitive compensation that recognizes both individual achievements and team success, all while growing their career. In the Role Effectively multitask and adapt to the dynamic demands of the role, ensuring timely and efficient service Exceed customer expectations through ease, empathy and encouragement, delivering results related to individual and branch goals Develop new connections and maintain ones by engaging customers throughout the loan process and life cycle, presenting tailored solutions based on customer needs Manage the life cycle of loans, including collections activities while maintaining compliance with all relevant laws and regulations Engage with customers and other departments through multiple technological channels, including phone, email, chat and our in-house systems Exhibit passion for achievement, bringing an internal drive to succeed and goal oriented attitude Clearly educate and inform customers on optional insurance products, ensuring customers have a thorough understanding of the loans, terms and their options Requirements: High School Diploma or GED Preferred: Sales, Collections or Customer Service experience Bilingual - Spanish Location: On site The schedule for this position is Monday-Friday during standard business hours, with some extended hours during the week as needed which may include Saturday. Who we Are A career with OneMain offers you the potential to earn an annual salary plus incentives. You can steer your career toward leadership roles such as Branch Manager and District Manager by taking advantage of a variety of robust training programs and opportunities to advance. Other team member benefits include: Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances Up to 4% matching 401(k) Employee Stock Purchase Plan (10% share discount) Tuition reimbursement Paid time off (15 days vacation per year, plus 2 personal days, prorated based on start date) Paid sick leave as determined by state or local ordinance, prorated based on start date Paid holidays (7 days per year, based on start date) Paid volunteer time (3 days per year, prorated based on start date) OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. In our more than 1,300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. We meet customers where they want to be -- in person, by phone and online. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain. Key Word Tags Sales, Collections, Retail, Loan Sales, Customer Service, Customer Care, Business Development, New Grad, Newly Graduated, Entry level, Financial Sales, Management Development, Management Trainee, Finance, Full-time, Career, Benefits, Customer experience, Financial Representative, Credit, Leadership, Manager Trainee

Under the direction of the Branch and/or Production Manager, markets and promotes PrimeLending products and services to its client base of realtors, builders, bank officers and potential and past clients. Performs office or non-manual work directly related to the management or general business operations of PrimeLending and its customers. High school diploma or equivalent and appropriate licenses as required by state. Valid driver's license and current automobile liability insurance. A minimum of 12 months loan originator experience required. Interacts with regional & corporate departments, as well as realtors, sales agents, builders, appraisers, etc. Demonstrated judgment and decision making ability. Excellent and effective presentation and communication skills, both verbal and written. Ability to quickly assess and process large amounts of data and use of appropriate AU software technology. Must be active in the community and in those job-related organizations to enhance the network of beneficial contacts. Continue to expand knowledge of issues influencing the industry and the organization. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company. Evaluates PrimeLending's and other loan products and services and determines which financial products best meet the customer's needs and financial circumstances. Establishes and maintains relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by visiting subdivisions as required. Markets and promotes PrimeLending's financial products; Originators are expected to meet the Company's minimum production standards in funded units/volume on an ongoing basis each month, by taking complete and accurate loan applications, using PrimeLending's product set. Monitors overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential home buyers. Collects and analyzes information regarding the customer's income, assets, investments or debts. Advises the customer regarding the advantages and disadvantages of different loan products. Services existing customers and obtains all necessary support documents along with the appropriate fees and lock in information. Oversees the loan process by monitoring loan status and ensures conformity with terms. Communicates loan status to all interested parties, and obtains loan documentation after closing. Presents terms and conditions of loans with customers. Stays abreast of trends and developments in the local real estate market and competitive environment, as well as, changes in rules and regulations pertaining to private and government insured mortgages. Maintains a professional image and adheres to standards consistent with company policies and procedures. May supervise and direct the activities of other loan officer(s), loan officer assistant(s), or loan processor(s). Other duties as assigned.

Job Description 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 A Commercial Banking Officer will perform a variety of duties to meet the commercial service needs of business customers and will include some lending authority. This position requires an employee able to develop new business relationships with prospective customers and maintain continuous business relationships with present customers. A valid drivers license is required. Solicit new business from present and prospective customers Maintain ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities Provide sales information on a timely basis in order that this information may be included as part of customer service and sales performance reports Monitor individual sales performance versus objectives on a regular basis and discuss performance with appropriate supervisor on a frequent basis Serve as a member of the Bank's sales team (e.g., Branch Manager) and make group sales calls where these types of calls will improve the opportunity for new business development Maintain a thorough knowledge of the features and benefits of all bank commercial products and services in order to ascertain customer needs and to sell in conjunction with these needs Provide direct service to commercial customers of the bank with respect to deposit, loan, and other miscellaneous products and services Approve or reject loan applications within individual lending authority Assist customers in obtaining specialized services from other bank departments as necessary and provide help to customers with specific inquiries or service problems Maintain a working knowledge of bank operating policies and procedures which impact commercial services Prepare and maintain accurate records of all customer service calls and meetings made with present and prospective customers Provide quality service to internal and external customers Demonstrate cooperative efforts in working with other departments and within own department Jointly establish annual quantitative customer service and sales objectives with assigned supervisor; this activity to be integrated with the Commercial Lending Department's annual operating plan Comply with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements Communicate with management and staff personnel in order to integrate goals and activities Respond to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy Maintain appropriate records and provide assigned reports. Monitor and review accounts for appropriate risk rating to avoid risk rating changes by loan review, the Office of Comptroller of Currency (OCC) and other loan review processes. Provide guidance, on-the-job training and technical assistance to Commercial Loan Officers 1(s) and 2(s) 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 Qualifications Ideal candidate should have a minimum five (5) years experience in related positions. B.S. or B.A. Degree in a related field preferred Specialized banking education and training A valid drivers license is required. Proficient reading, writing, grammar and mathematic skills Proficient interpersonal relationship, communication and sales skills Thorough knowledge of the features and benefits of all bank commercial products and services Working knowledge of bank operating policies and procedures which impact commercial services All applicants must be 18 years of age or older.

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. Scope of Responsibilities: The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. Education and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. Education and Experience Preferred: Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. #LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationIthaca, New York, United States of America

Mortgage Loan Originator Canandaigua National Bank What does a Mortgage Loan Originator do? Responsible for continuously soliciting, negotiating, underwriting, and coordinating the closing of residential mortgage loans in compliance with the Canandaigua Mortgage Company's lending policies and procedures; promoting business for the Canandaigua Mortgage Company by maintaining good customer relations through referrals from existing customers and marketing for new clients; assisting in attaining established corporate, region and branch goals through active participation in new and existing products and sales programs; coordinating work within the division, as well as with other divisions and departments; complying with operating policies and procedures established for the mortgage loan function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports. What is needed to be successful in this role? A bachelor's degree in business or finance related field, or equivalent combination of education and experience generally required; A minimum of two (2) years' experience in related position required; Knowledge of all lending activities and terminology; basic knowledge of commercial, construction, real estate, and consumer loan processing; A thorough knowledge of all bank regulatory requirements What are general duties? Continuously solicits, negotiates, underwrites, and coordinates the closing of residential mortgage loans in compliance with CNB Mortgage Company's lending policies and procedures as follows: Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of CNB Mortgage Company's products and services. Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of CNB Mortgage Company's guidelines and industry trends. Gathers and analyzes all information necessary to present a loan request for approval; meets with existing or potential customers; negotiates loan terms and conditions; pre-approves loans through Automated Underwriting Systems. Ensures loans are processed according to agreement, customer needs and conform to CNB Mortgage Company lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her book of business. Ensures that credit inquiries are researched to determine credit worthiness and appropriate collateral positioning are achieved. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval parameters and using these instances as learning tools for employee development. What makes working at Canandaigua National Bank different? We are Investing in You . Our strong corporate culture is based upon seven Core Values: Honesty and Integrity, Responsibility, Teamwork, Respect, Innovation, Professionalism, and Commitment. Our culture nurtures passionate employees and offers great rewards including: Medical, Dental, Vision, FSA, HSA options for both part-time and full-time employees. Medical coverage is also offered for domestic partners. Paid Holidays, Vacation, and Sick time. Retirement benefits that include a 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP). Training & Development Opportunities. Tuition Assistance. Volunteer Opportunities. Award Winning Wellness program that promotes a solid work/life balance. Banking perks and discount programs. Our goal is to ensure that our bank, employees, and our community thrive and grow, now and for the next 125 years. We're in it for the long haul. What truly sets us apart from other financial institutions is the quality and commitment of our employees. We've assembled a diverse team of people who share a primary focus: to provide exceptional service for our customers. As an organization, we are committed to hiring, training, developing, promoting, and celebrating employees from historically disadvantaged groups. We welcome the unique contributions that you can bring in terms of ethnicity, race, sex, gender identity and expression, nation of origin, age, languages spoken, veteran's status, religion, disability, sexual orientation, education, and culture. As the only local, full-service, community-owned financial institution in the Rochester area, Canandaigua National Bank is Investing in You . If you want to be a part of something special, join us today! Compensation While this position is commission based, the compensation for this position is $15.00 per hour. Individuals in this role have historically earned between $100,000 - $175,000 per year, based on performance and productivity against commission plan parameters. Canandaigua National Corporation and its subsidiaries encourage diversity in the workplace; we are an Equal Opportunity Employer. Minority/Female/Sexual Orientation/Gender Identity/Disability/Veteran.

Open to the hiring in the M&T footprint Responsible for ensuring completion and delivery of the Bank's commercial closing capabilities for all assigned loans. Position serves as the first line of defense (1LoD), adhering to the necessary controls, to mitigate unnecessary exposure to risk. Works as part of the account relationship team/deal team with the specific responsibility to arrange for each loan to be documented and closed with the correct borrowing parties and per the agreed upon collateral and deal terms approved in an accurate and timely manner. Primary Responsibilities: * Validates that Loan Closing Documentation and all pre-closing Due Diligence Requirements have been met for each loan and align with approved credit terms and regulatory requirements and are properly reflected in the commercial loan system. * Reviews, interprets, and validates the loan documentation for each unique loan, assuring key provisions are documented as per M&T Legal guidance and as advised in the Outside Counsel Manual. * Completes the Commercial Closing Checklist, ensuring all required documents are complete and necessary data to close, fund and book have been captured correctly within established deadlines. Submits competed Commercial Closing Checklist to Senior Closing Officer for review and to obtain 'Clear to Close'. * Follows up with approved Bank counsel (as appropriate), as well as other Bank partners, to finalize the documenting, funding, and booking of the loan in accordance with Bank policies and procedures. * Partners with designated team and other internal and external stakeholders to address discrepancies/issues found during due diligence, loan documentation, loan closing and review processes. Escalates issues as appropriate. Coordinates with co-workers and Team Leader to troubleshoot and resolve escalated problem situations, exception requests, and deviations from day-to-day business processes. Communicates and partners effectively with co-workers, working as a team player, and helping to create a positive team environment. * Obtains confirmation of loan closing, and of the satisfactory review of executed loan documents from Senior Closing Specialist and arranges and confirms loan funding and booking. * Maintains up-to-date knowledge of processes, procedures and escalation guidance related to deliver accurate, timely and complete closing capabilities. * Manages time to be able to meet deadlines while potentially working with multiple partners on multiple and/or concurrent closing requests, including being able to work with partners on 'last minute' modifications. Notifies Team Leader when support and escalation is needed. * Assists and provides back up to other closing team members when necessary to fulfill incoming or in process requests. * Attends regularly scheduled departmental training calls to maintain current knowledge of procedures, regulatory updates, and commercial products. * Reports customer complaints to the Office of Customer Advocacy as appropriate. * Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. * Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. * Promotes an environment that supports a culture of belonging and reflects the M&T Bank brand. * Completes other related duties as assigned. Scope of Responsibilities: The Commercial Closing capabilities include the following five functions: 1) validation of pre-close due diligence items, 2) arranging for and reviewing commercial loan documentation, 3) confirming alignment of the credit approval, loan documents and the loan system, along with finalizing the settlement sheet, the loan closing, and review of executed documents, 4) arranging and confirming loan funding, and 5) completion and submission of required data for loan booking followed by conducting and documenting a post-closing review. Incumbent works as part of the account relationship team/deal team to build strong customer relationships while preserving the Bank's strong credit culture, with the specific responsibility of this role being to close each loan to the correct borrowing parties and per the agreed upon collateral and deal terms approved, in an accurate and timely manner, and while assuring and working with approved Bank counsel (as appropriate), and documenting the loan in accordance with Bank policies and procedures, enabling and confirming funding and booking as well as validating key information both pre and post-closing. Supervisory/Managerial Responsibilities: None Education and Experience Required: Bachelor's degree and a minimum of two (2) years related commercial loan closing, commercial loan documentation, commercial loan operations, or commercial loan administration experience or in lieu of a degree, a combined six (6) years' higher education and/or work experience, with a minimum of two (2) years related commercial loan closing, commercial loan documentation, commercial loan operations, or commercial loan administration experience. Knowledge of the commercial closing process and procedures, loan documentation, loan policy, applicable regulations, and affiliated technology. Strong detail orientation for use examining information and identifying and resolving or escalating issues. Strong interpersonal skills necessary for business partner relationships within and outside the organization. Ability to work individually as well as a member of a team. Self-motivated, well-organized individual. Ability to work under time constraints and handle multiple tasks in support of various assignments. Good verbal and written communication skills. Education and Experience Preferred: Familiarity with Loan Approvals and Escalation/Exception Requirements, and potentially other approvals needed for closing. Knowledge of unit/department policies and procedures. Knowledge of applicable products, systems, and workflows. Paralegal experience helpful as well as experience in lending operations, underwriting and customer service. Physical Requirements: M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $26.00 - $43.34 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. Location Syracuse, New York, United States of America

Compensation for this role is primarily variable and based on commissions. Mortgage Originator Department: Residential Lending Purpose: At Five Star Bank, our people are our greatest competitive advantage. As a Mortgage Loan Originator, you will use your expert knowledge of mortgage products and services and an advice-led approach to deliver personalized residential real estate solutions and build lasting relationships. As a Mortgage Loan Originator, you will drive productive sales and service activities, develop new business by educating existing and potential clients and exemplify Five Star Bank's HEART values. The ideal candidate will possess a referral source network and/or target audience whose mortgage needs can be satisfied with a traditional array of products sold on the secondary market including but not limited to Freddie Mac, FHA, VA, USDA and SONYMA. Essential Functions: * Develops new business by cultivating leads from external referral sources such as realtors, home builders, attorneys, and financial planners. Maintains an ongoing relationship with these sources to foster ongoing referral business. * Works with internal business partners such as branch staff, commercial lenders, small business lenders and wealth management staff, to identify prospects and leads. Stays knowledgeable on Bank products and services and actively contributes to business development goals through cross sell opportunities, submitting referrals to other lines of business. * Keeps current and compliant with industry standards and government regulations and serves as subject matter expertise with all mortgage products such as Freddie Mac, Sonyma, VA, FHA, and USDA. Adheres to bank policies and procedures. * Actively promotes Five Star Bank projecting a positive and professional image through participation in relevant community and professional activities to expand and enhance networking opportunities for generation of leads and community interest. * Interviews loan applicants and assists applicants with identifying the products that best meet their needs. Collects financial data & documents and submits a complete loan application for processing. Monitors the loan process from origination to closing acting in the role of liaison between the Bank and the applicant. * The CRM tool for Five Star Bank is Salesforce. The originator will receive training on the system and is expected to know how to send and receive referrals from this system. They are expected to use Salesforce in their daily correspondence with other internal partners at the Bank. * Demonstrates the standards and principles of the Five Star Bank experience in every interaction with internal and external customers and associates. Incorporates the high performance behaviors of teamwork, leading by example and service in every facet of work. Job Related Qualifications - Education and Prior Experience: Required: * Education: High School Diploma. Bachelor's Degree preferred. * Prior Experience: 1+ years in the financial services industry. Prior Mortgage experience preferred. * Licenses or Accreditation: Register with Nationwide Mortgage Licensing System Registry (NMLS) and obtain a unique identifier that is provided to consumers in accordance with all SAFE Act requirements. Renew registration with NMLS annually. Maintains and updates personal registry information as necessary to include name changes, employment changes, etc. Competencies: * Excellent verbal and written communication skills * Excellent organizational skills with the ability to work well under pressure and manage multiple priorities to meet established deadlines * Ability to develop strong working relationships and interact with all levels of staff and management * Possess analytical ability to interpret and utilize data to make appropriate recommendations ensuring compliance with regulations and policies/procedures * Strong sales orientation while being customer focused; strong servicing skills * Possess a high level of attention to detail to ensure accuracy * Working knowledge of Microsoft Office applications and loan origination systems with the ability to learn and utilize new and existing banking software applications Physical Requirements: * Able to regularly sit for prolonged periods of time. * Able to regularly stand for prolonged periods of time. * Able to travel occasionally throughout the footprint. * Extensive computer usage is required. * Ability to work: * Evenings - occasionally * Weekends - occasionally This job description is not exhaustive. The Mortgage Originator may be required to perform other duties as assigned.

The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality. Essential Functions Prospect home lending business to build and develop new client loan originations and relationships. Originate and process a targeted number of family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines. Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions Gather documents at the time of registering a loan and remain the primary point of contact for the client during the loan process. Maintain high standards of client satisfaction and quality, ensuring sales/originator systems and workflows are efficiently controlled. Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings. Maintain proficiency on sales/originator systems and develop efficient workflows. Keep informed of trends and developments in the real estate market and mortgage industry. Works in a branch environment to provide in-person client services 4+ days/week, to include participating in morning huddles and end of day debriefs on targeted days. Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key. Education Bachelor's Degree in a business-related field or equivalent experience (preferred) Work Experience 3+ years Experience as a loan officer in 1st mortgage production (preferred) 3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred) Skills Excellent communication skills, both written and verbal. Strong customer service skills. Proficient in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management. Demonstrate strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions. Generate new mortgage business and manage the loan origination process from initial application through to closing. Navigate the home mortgage process, from application to closing, providing advice on interest rates and repayment terms. Build partnerships with real estate agents and financial advisors. Core Competencies All KeyBank employees are expected to demonstrate Key's Values and sustain proficiency in identified Leadership Competencies. Physical Demands General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs. Driving Requirements May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required. COMPENSATION AND BENEFITS This position is eligible to earn commission and deferred incentive compensation. In addition to commission, this position is compensated at a fixed hourly rate draw of $15.50 hourly. Please click here for a list of benefits for which this position is eligible. Job Posting Expiration Date: 11/28/2025 KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_**********************.

Full-time Description Who We Are: Seneca Savings is a proud community bank that has been serving the Central New York region for over 95 years. With deep roots in the area, we're committed to exceeding expectations by delivering big bank technology with a personal touch. As a locally focused institution, our mission is to foster growth, empower success, and uplift the communities we serve, guiding our customers, employees, and partners toward achieving their financial dreams. We operate five branch locations in Baldwinsville, Liverpool, North Syracuse, Bridgeport, and Manlius, and take pride in offering a workplace culture grounded in our core values: Driven Towards Success Team Oriented Customer First Positive Attitude These values define who we are and how we work, both with each other and with the communities we proudly serve. Join our innovative team and be part of a company that's committed to delivering exceptional service, enhancing lives, and making a difference every day. Job Summary: The Commercial Loan Processor/Servicer is responsible for ensuring the accuracy and efficiency of the commercial lending process by preparing and processing loan documentation, maintaining credit and mortgage files, and managing collateral. This role also supports branch staff and commercial customers with inquiries and reporting, while ensuring full compliance with Bank policies and regulatory requirements. By providing reliable support and exceptional service, this position directly contributes to the success of the Commercial Lending team and the growth of the Bank's business relationships. Essential Job Duties and Responsibilities: (Additional duties as assigned) Support commercial relationships by troubleshooting, managing requests, and answering inquiries from customers and branch staff. Prepare, review, and process commercial loan documentation to ensure timely and accurate closings. Create and maintain credit and mortgage files using digital resources. Develop and maintain processing procedures while staying proficient with the commercial processing platform. Ensure compliance with applicable regulations and the Board-approved consolidated loan policy. Promote a positive image of the Bank by providing excellent service, fostering vendor relationships, and identifying opportunities for referrals. Perform daily rate changes, upload collateral reports to the Federal Home Loan Bank of NY monthly, and prepare quarterly reports for the Board of Directors. Maintain listings for required property inspections and request annual environmental certifications. Manage collateral including UCC filings, life insurance assignments, payoff discharges, and assist with delinquency management. Review Fiserv communications regarding the commercial platform, including system enhancements and year-end processing. Supervisory Responsibilities: None Qualification Standards: Associate's degree in business, finance, or a related field. 2-3 years of banking experience preferred, which may include branch operations, bank operations, or lending knowledge. Excellent verbal and written communication skills. Ability to interpret and summarize complex materials into clear, easy-to-follow procedures. Strong organizational, problem-solving, and time management skills with the ability to prioritize and manage multiple tasks. Proficiency with computer systems and advanced skills in word processing, spreadsheets, and data analysis. Strong interpersonal skills with a professional approach to working effectively with both internal teams and external partners. Equipment, Machines and Software Used: Basic Equipment and Machinery : Basic personal computer skills that include the ability to send/receive e-mail messages, post information to a database or spreadsheet, and perform basic word processing, bookkeeping, and/or data entry. Ability to create spreadsheets, graphics, and reports using standard software applications. Ability to operate a computer, printer, scanner, copier, facsimile machine, telephone, postage meter and calculator. Computer Software: Ability to utilize Windows Operating system, Microsoft Office Suite (Word, Excel, Outlook), Adobe Acrobat, and banking systems with the willingness to learn new software, as necessary. Physical and Mental Requirements: While performing the duties of this position, the Commercial Loan Processor/Servicer is regularly required to reach, sit, stand, walk, push, pull, lift, use fingers, grasp, feel, talk, hear, and perform repetitive motions. The physical requirements of this position call for the ability to lift, move, push, pull, or otherwise exert up to 25 pounds of force occasionally and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Close mental and visual attention required to perform work dealing primarily with preparing and analyzing data and figures, performing accounting duties, using a computer terminal, and/or extensive reading. Environmental Conditions: There is no exposure to adverse environmental conditions. Work is performed in a typical office work environment. Benefits: Paid Time Off Medical, Dental and Vision Insurance Short-Term and Long-Term Disability Insurance Accident and Critical Illness Insurance Flexible Spending and Health Savings Accounts Company Paid Life Insurance 401k with Matching (up to 5%) Employee Stock Option Plan Tuition Reimbursement Employee Discounts Opportunities For Advancement The base pay range for this position is $20.00 - $24.00 per hour. Exact offers will be determined based on job-related knowledge, skills, and experience. Salary Description $20.00 - $24.00

General Purpose: Process loans for operating expenses, capital expenditures, real estate purchases, and refinances. Demonstrate an entrepreneurial attitude, be results driven, work independently without intense management oversight, and offer recommendations on legal matters pertinent to the loan documents and related collateral filings. Job Duties and Responsibilities: Verify borrower information presented; verify existing loan balances, if any Verify that UCC search and credit report have been requested and reviewed by loan officer Perform complete review of loan information package submitted by loan officer; obtain clarification of any missing/erroneous information; confirm all necessary approvals received If borrower is an entity, request and review all entity organizational documents and minutes appointing officers; determine authorized signatory(ies) Advise management on legal matters pertaining to loan documents and any specifics related to securing the necessary collateral Prepare customized loan documents for each loan transaction Prepare and track Subordination Agreements and/or Intercreditor Agreements, if necessary Track satisfaction of loan terms as they pertain to UCC termination requirements Verify satisfaction of insurance requirements, if any Review signed loan documents to ensure all are fully and correctly signed; verify signatures Prepare and file UCC financing statement documentation, if necessary Prepare amendments and supporting documents, revising loan terms, if necessary Review real estate title documentation, title insurance commitment, real property appraisal; confirm accuracy of real property description; determine who holds title to property; work to resolve open exceptions on title insurance commitment Prepare mortgage document, if necessary Coordinate real estate closings among title insurance company, attorney and borrower Prepare and process documentation for various stabilizer transactions The requirements herein are intended to describe the general nature and level of work performed by employee, but is not a complete list of responsibilities, duties, and skills required. Other duties may be assigned as required

All Mortgage Lenders talk about their competitive compensation, quick turn times, in house products, etc.. Sure we all have those, but why focus on the things that are a given or the minimums in the industry? We heard this message from our team and have invested in world class origination software, CRM, mobile mortgage application technology, marketing automation platform and data reporting /analytic software to make it happen! Jet Direct Mortgage's mission is to be the #1 Brand and Premier Local Lender in all of our licensed states. To accomplish this we will: Provide a world class culture to support our team and our clients Provide technology to support and solve the issues of our team and our clients Provide the highest value for the most competitive pricing to our team and our clients Provide the best in service for our team and our clients Here is what we are looking for in our Mortgage Loan Officers/Originators: Experienced, honest, ethical, and hardworking Enjoys working with clients and helping them achieve their goals of owning a home Ability to manage a pipeline and collect documents pertinent to mortgage loan origination Provide superior customer service, engaging with consumers by determining their needs and offer appropriate products Meet individual monthly sales goals set by Jet Direct Mortgage Looking to build a network to Self Generate business for their future Mortgage Loan Officers/Originators Qualifications: Must possess an approved STATE NMLS license Detail-oriented with demonstrated, careful decision-making skills Maintenance of mortgage licenses by completing mandatory annual continuing education A solid understanding of appraisals, title reports & product guidelines Utilize in-house technical systems and programs such as Encompass Knowledgeable in regulatory, policy and compliance issues pertaining to the mortgage industry Ability to maintain and grow a network of prospects, customers, realtors & referral partnerships Bilingual a PLUS What you will get (of course!): Competitive compensation and incentives Excellent benefit packages that range from 401k to Medical, Dental, 401(k), Life Insurance and more In house processing and underwriting team supporting you Creative sales driven marketing team and tools Technical support providing help desk, reporting and lead management, equipment troubleshooting and more Assistance in growing your network of Realtors and other referral sources Come join our team! We are a direct lending Mortgage Bank licensed in 27 States, and more to come. We will help you meet and exceed your goals for 2025 and beyond!

Job Description Here at SFCU we define our culture as one of GROWTH . Growing our member, growing our employee, and growing our organization. We are seeking applicants with a proven track record of identifying, pursuing, and closing commercial deposit accounts or other business opportunities. In this Commercial Deposit Officer role, you will be responsible for driving the growth and management of commercial deposit accounts by developing strategic relationships with business clients and understanding their unique deposit needs. You will drive the development of deposit product and services offerings and strategies. Your collaboration and efforts will directly contribute to the growth, development, and strength of the commercial deposit portfolio and overall organization. Salary: Exempt $81,125 - $101,407 Reporting location: Hybrid option-reporting to Cicero Branch. There will be periodic travel to the Sidney NY headquarters. This position requires a valid driver's license and ability to operate a motor vehicle. Significant amount of time will be spent on the road. Very limited supervision and inspection of work. Role is expected to function independently with consultative direction from supervisor. Essential Functions & Responsibilities: Business Development Identify and secure new commercial deposit opportunities to support organizational growth strategies and maximize the sales and revenue of products and services Design and execute business development initiatives that align with credit union objectives Promote cross-selling of business and consumer financial products and services Take leadership role in representing the credit union to the local business market to build awareness, brand image, credibility and obtain new business Relationship Management Cultivate and sustain strong, trust-based relationships with commercial clients Assess and address the financial goals and deposit needs of business clients Supports in opening new business accounts and updates to existing relationship accounts Support commercial and business relationships with online banking, ACH, and other commercial services as appropriate Deliver exceptional member service by resolving client inquiries promptly and effectively Deposit Product Management Build a central resource for commercial and business deposit services, including procedures for new products and services developed Oversee the implementation and application of technology in building and managing the commercial deposit services by working closely with IT, Marketing, and other departments Develop, implement, and oversee deposit product strategies to ensure alignment with business goals Manage the product lifecycle, recommending enhancements or modifications to remain competitive Operational Oversight Ensure accuracy, efficiency, and compliance in the processing of commercial deposit transactions Evaluate and optimize deposit operations, identifying opportunities for process improvement Compliance Adhere to all relevant regulations, standards, and internal policies to ensure operational integrity Maintain comprehensive and accurate records and documentation Contributes to efficient credit union operations by performing other job-related duties as assigned Knowledge and Skills: Experience: Three years to Five years of similar or related experience. Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other skills required to do this job proficiently: Strong communication skills Strong judgment and analytical Skills Strong mental aptitude High level organizational and time management Skills Schedule flexibility Strong sales skills Technology Skills - Proficiency with PC, Windows, Microsoft Outlook, Microsoft Word, Microsoft Excel, etc., based software Physical Requirements: Driving to market areas to meet with prospects and exiting businesses. While performing the duties of this job, the employee is frequently required to sit or stand for extended periods of time. Equal Opportunity Employer/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Job Posted by ApplicantPro

Mortgage Loan Originator Canandaigua National Bank What does a Mortgage Loan Originator do? Responsible for continuously soliciting, negotiating, underwriting, and coordinating the closing of residential mortgage loans in compliance with the Canandaigua Mortgage Company's lending policies and procedures; promoting business for the Canandaigua Mortgage Company by maintaining good customer relations through referrals from existing customers and marketing for new clients; assisting in attaining established corporate, region and branch goals through active participation in new and existing products and sales programs; coordinating work within the division, as well as with other divisions and departments; complying with operating policies and procedures established for the mortgage loan function; communicating with appropriate personnel; responding to inquiries or requests for information; maintaining appropriate records and providing assigned reports. What is needed to be successful in this role? * A bachelor's degree in business or finance related field, or equivalent combination of education and experience generally required; * A minimum of two (2) years' experience in related position required; * Knowledge of all lending activities and terminology; * basic knowledge of commercial, construction, real estate, and consumer loan processing; * A thorough knowledge of all bank regulatory requirements What are general duties? Continuously solicits, negotiates, underwrites, and coordinates the closing of residential mortgage loans in compliance with CNB Mortgage Company's lending policies and procedures as follows: * Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of CNB Mortgage Company's products and services. * Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. * Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of CNB Mortgage Company's guidelines and industry trends. * Gathers and analyzes all information necessary to present a loan request for approval; meets with existing or potential customers; negotiates loan terms and conditions; pre-approves loans through Automated Underwriting Systems. * Ensures loans are processed according to agreement, customer needs and conform to CNB Mortgage Company lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her book of business. * Ensures that credit inquiries are researched to determine credit worthiness and appropriate collateral positioning are achieved. * Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. * Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval parameters and using these instances as learning tools for employee development. What makes working at Canandaigua National Bank different? We are Investing in You. Our strong corporate culture is based upon seven Core Values: Honesty and Integrity, Responsibility, Teamwork, Respect, Innovation, Professionalism, and Commitment. Our culture nurtures passionate employees and offers great rewards including: * Medical, Dental, Vision, FSA, HSA options for both part-time and full-time employees. Medical coverage is also offered for domestic partners. * Paid Holidays, Vacation, and Sick time. * Retirement benefits that include a 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP). * Training & Development Opportunities. * Tuition Assistance. * Volunteer Opportunities. * Award Winning Wellness program that promotes a solid work/life balance. * Banking perks and discount programs. Our goal is to ensure that our bank, employees, and our community thrive and grow, now and for the next 125 years. We're in it for the long haul. What truly sets us apart from other financial institutions is the quality and commitment of our employees. We've assembled a diverse team of people who share a primary focus: to provide exceptional service for our customers. As an organization, we are committed to hiring, training, developing, promoting, and celebrating employees from historically disadvantaged groups. We welcome the unique contributions that you can bring in terms of ethnicity, race, sex, gender identity and expression, nation of origin, age, languages spoken, veteran's status, religion, disability, sexual orientation, education, and culture. As the only local, full-service, community-owned financial institution in the Rochester area, Canandaigua National Bank is Investing in You. If you want to be a part of something special, join us today! Compensation While this position is commission based, the compensation for this position is $15.00 per hour. Individuals in this role have historically earned between $100,000 - $175,000 per year, based on performance and productivity against commission plan parameters. Canandaigua National Corporation and its subsidiaries encourage diversity in the workplace; we are an Equal Opportunity Employer. Minority/Female/Sexual Orientation/Gender Identity/Disability/Veteran.

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. Primary Responsibilities: Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. Scope of Responsibilities: The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. Education and Experience Required: Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. Education and Experience Preferred: Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. #LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationIthaca, New York, United States of America

Here at SFCU we define our culture as one of GROWTH . Growing our member, growing our employee, and growing our organization. We are seeking applicants with a proven track record of identifying, pursuing, and closing commercial deposit accounts or other business opportunities. In this Commercial Deposit Officer role, you will be responsible for driving the growth and management of commercial deposit accounts by developing strategic relationships with business clients and understanding their unique deposit needs. You will drive the development of deposit product and services offerings and strategies. Your collaboration and efforts will directly contribute to the growth, development, and strength of the commercial deposit portfolio and overall organization. Salary: Exempt $81,125 - $101,407 Reporting location: Hybrid option-reporting to Cicero Branch. There will be periodic travel to the Sidney NY headquarters. This position requires a valid driver's license and ability to operate a motor vehicle. Significant amount of time will be spent on the road. Very limited supervision and inspection of work. Role is expected to function independently with consultative direction from supervisor. Essential Functions & Responsibilities: Business Development Identify and secure new commercial deposit opportunities to support organizational growth strategies and maximize the sales and revenue of products and services Design and execute business development initiatives that align with credit union objectives Promote cross-selling of business and consumer financial products and services Take leadership role in representing the credit union to the local business market to build awareness, brand image, credibility and obtain new business Relationship Management Cultivate and sustain strong, trust-based relationships with commercial clients Assess and address the financial goals and deposit needs of business clients Supports in opening new business accounts and updates to existing relationship accounts Support commercial and business relationships with online banking, ACH, and other commercial services as appropriate Deliver exceptional member service by resolving client inquiries promptly and effectively Deposit Product Management Build a central resource for commercial and business deposit services, including procedures for new products and services developed Oversee the implementation and application of technology in building and managing the commercial deposit services by working closely with IT, Marketing, and other departments Develop, implement, and oversee deposit product strategies to ensure alignment with business goals Manage the product lifecycle, recommending enhancements or modifications to remain competitive Operational Oversight Ensure accuracy, efficiency, and compliance in the processing of commercial deposit transactions Evaluate and optimize deposit operations, identifying opportunities for process improvement Compliance Adhere to all relevant regulations, standards, and internal policies to ensure operational integrity Maintain comprehensive and accurate records and documentation Contributes to efficient credit union operations by performing other job-related duties as assigned Knowledge and Skills: Experience: Three years to Five years of similar or related experience. Education: (1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree). Interpersonal Skills: Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other skills required to do this job proficiently: Strong communication skills Strong judgment and analytical Skills Strong mental aptitude High level organizational and time management Skills Schedule flexibility Strong sales skills Technology Skills - Proficiency with PC, Windows, Microsoft Outlook, Microsoft Word, Microsoft Excel, etc., based software Physical Requirements: Driving to market areas to meet with prospects and exiting businesses. While performing the duties of this job, the employee is frequently required to sit or stand for extended periods of time. Equal Opportunity Employer/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.

Primarily responsible for working with customers interested in identifying and obtaining permanent FHA/VA and conventional mortgage loans and other residential mortgage programs that best meet the customer's financial needs and objectives, and adhering to the requirements of federal registration under the SAFE Act. **Primary Responsibilities:** + Interviews applicants to collect and analyze information regarding their income, assets, debts and credit data as well as their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtains and analyzes pertinent financial and credit data. + Independently assesses applicant's credit worthiness. Has authority to issue pre-qualification statement of borrowers' eligibility. + Determines which products best meet the customer's needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs. + Makes recommendations to customers regarding other bank products or to alternative lending vehicles, as needed. + Cultivates new mortgage business. Markets, services and promotes the bank's mortgage products. This includes the solicitation of residential first mortgages through contacts with Realtors, builders, and developers. + May be required to travel to and work at prospective customers' homes or business locations. Follows-up on potential customers via travel or telephone. + Negotiates terms and conditions of loan with mortgagors. Has authority to bind the bank in connection therewith. + Ensures lending compliance with all origination procedures including bank policies and procedures and regulatory requirements. + Advises management on effective compliance strategies and potential modifications to corporate operating policies where appropriate to ensure ongoing regulatory compliance. + Independently monitors trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government-insured mortgages. + Represents the bank in the community and related functions to identify, develop and promote additional business. May present seminars to general public and real estate agents to promote additional business and community outreach. **Scope of Responsibilities:** The incumbent always works under limited supervision, sometimes away from the office. The position requires extensive external contacts (potential and existing customers, Realtors, etc.), as well as internal contacts (other Bank personnel) primarily on sales calls outside the office. Will interact with individuals and teams internally and within the community assigned, developing new relationships and maintaining existing relationships Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. **Education and Experience Required:** Associates degree and 2 years sales experience, OR in lieu of a degree, A combined minimum of 4 years higher education and/or relevant work experience, including a minimum of 2 years sales experience. Thorough knowledge of FHA/VA regulations, conventional loan requirements and real estate law. **Education and Experience Preferred:** Technical Skills General knowledge of personal computers and software programs utilized by Residential Mortgage Department Proven sales ability. Strong mathematical skills. Self-motivated, well-organized individual. Excellent verbal and written communication skills. Ability to interact with individuals at all income levels and peers in a professional manner. Demonstrated ability to work independently and to follow through on details to completion. Ability to work under critical time constraints. \#LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. Compensation for this role is based on commission - a draw will be advanced. The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Ithaca, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.