Collector

Overview

At Community Bank System, Inc. (CBSI), 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 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 CBSI, 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:• Collect past due portfolio consumer real estate loans by telephone, or on an isolated occasion in person• Collect past due secondary market, such as Federal Housing Administration (FHA), State of New York Mortgage Agency (SONYMA), Federal National Mortgage Association (FnMA), Mortgage Partnership Finance Program (MPF), Federal Home Loan Mortgage Corporation (Freddie Mac), mortgages by telephone according to each appropriate investor's guidelines. May meet directly with past due borrower at times• Comply with applicable regulations including the Fair Debt Collections Practices Act• Prepare and mail notifications to delinquent borrowers per investor, guarantor, insurer or bank guidelines• Monitor bankruptcy accounts to ensure payments are being received according to plan• Assist in preparation and monitoring of secondary market pipeline• Prepare and distribute secondary and portfolio rates to all lenders bank-wide• Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion• 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 Bank, in achieving their goals

Qualifications

Education, Training and Requirements:• High School Diploma or GED required

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

Experience: • Collection experience highly preferred• Mortgage loan processing preferred

Other Job Information

Hours: 40 hours/week; Monday - Friday; 8:00-4:30; some evenings, weekends and holidays

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.

An Equal Opportunity Employer. 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.

Minimum

USD $17.50/Hr.

Maximum

USD $23.82/Hr.