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Job Description The Arrow Financial Corporation is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Latham team as: Universal Banker This opportunity may be perfect for you if you have experience in: Excellent Customer Service and Communication Skills Relationship Building and Sales Excels in a detail-oriented, regulatory environment Account Management About this position: Responsible for performing a complete range of services for customers including: processing customer transactions, opening/closing accounts, responding to inquiries, and assisting staff/supervisors with functions relative to the daily operation of the Branch. Frequently transitions between working as a Teller and helping customers on the Platform. Works with customers to identify needs and explain products/services with the goal of converting service opportunities into sales events. Essential Job Functions: Provide consistent, outstanding customer service by anticipating and reacting to customer needs. Process transactions accurately and efficiently; balance cash drawer and adhere to established cash limits, cash handling and check cashing policies. Meet with customers to discuss personal and/or business financial needs; open or modify accounts to address customer needs and maintain or expand customer relationships. Research customer questions and direct problem resolution to maintain customer relationships. Solicit new business, cross-sell Company products/services and support sales goals; actively participate in referral program by making referrals as appropriate. Comply with all Federal, State, and local consumer protection laws governing loan origination including the SAFE Act and SAFE Act registration and renewal rules as applicable. Adhere to requirements pertaining to branch security, fraud prevention and Bank Secrecy Act; identify counterfeit currency and monetary instruments; adhere to Company policies and procedures. Provide training, support and guidance as appropriate to co-workers and customers. Act in Branch Manager’s absence as needed. Able to travel, using reliable transportation, to various branches to meet operational needs Ability to work rotating Saturday schedule What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having Education/Certifications/Experience: Associates Degree or equivalent experience required 4-6 years of customer service experience required; experience in a financial institution preferred Ability to achieve NMLS certification and Signature Guarantee certification Skills/Knowledge: Strong communications skills, both written and verbal; comfortable communicating with customers, co-workers, and management Quality customer service skills; friendliness, a helpful attitude, patience, and professionalism Quality problem solving skills; ability to work independently and as part of a cooperative work team Proficient in Microsoft Office Suite: Word, Excel, and Outlook; ability to work with other programs and bank-related software a plus Solid sales and referral experience; knowledge of bank and insurance products/services Skilled in Microsoft Office Suite (Word, Excel and Outlook); ability to learn banking-related software Physical Demands: Must be able to sit for prolonged periods of time and walk/stand for brief periods of time. Must be able to repetitively use a telephone and computer mouse and keyboard. Ability to lift/move up to 15 lbs. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. We provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $19.00 - $22.00 per hour commensurate with experience and education. Additional compensation may be earned through the Company’s incentive programs, subject to individual and company performance. L1-st1

Job Description The Arrow Financial Corporation is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Loan Services team as: Loan Services Specialist This opportunity may be perfect for you if you have experience in: Working Collaboratively in a Call Center environment Problem Solving and Excellent Customer Service Skills Task Prioritization and Attention to Detail About this position: Responsible for a variety of functions in the Loan Services area including filing, updating systems, assembling documents and reports, and providing customers with accurate, timely information. Work closely with Loan Services Associate and unit to assess needs, complete projects, and perform tasks in support of the efficient and effective servicing of loans. This position is in office and sits at our Latham, New York Business Office. Essential Job Functions: Support and assist team members; work closely with management and unit to assess needs and determine level of assistance Perform various job duties and coordinate work tasks to ensure the efficient and effective servicing of loans Work on projects as needed to support department and Company goals Assist with problem resolution for both internal and external customer situations. Includes: identifying the problem, researching facts and solution options, and communicating resolution to reduce repeat situations, improving efficiency, and increasing customer satisfaction Assist with creating and updating procedures for job duties Other duties as assigned What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: High school degree or equivalent experience required 2 years of experience required in banking or lending; experience in Loan Services preferred Skills/Knowledge: Ability to work independently and cooperatively with a team Strong organizational skills with ability to handle multiple priorities and meet strict deadlines Strong communication and customer service skills; comfortable interacting with customers, co-workers, and management Proficient with Microsoft Office Suite including: Word, Excel, and Outlook Physical Demands Must be able to sit for prolonged periods of time and walk/stand for brief periods of time. Must be able to repetitively use a telephone and computer mouse and keyboard. Ability to lift/move up to 15 lbs. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays Medical, Dental, and Vision Insurance and Flexible Spending Plan Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership Education and Tuition Reimbursement Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our employment decisions are made without regard for: race, color, religion, national origin or ethnic origin, gender (including pregnancy), sexual orientation, gender identity or expression, age, disability, veteran status, or any other characteristic protected by law. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. We provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms. The salary range for this position is $19.00 - $23.00 an hour commensurate with experience and education. Additional compensation may be earned through the Company’s annual bonus program, subject to individual and company performance. L1-st1

Job DescriptionDescription: Highly motivated individual who demonstrates a positive, outgoing, and influential personality when providing world-class member services to ensure that members expectations are exceeded during every interaction. The ideal candidate will maximize every opportunity to advertise e-services and increase membership along with promoting consumer and real estate loans via telecommunication and email. Duties & Responsibilities • Provides an unsurpassed level of member service, meeting and exceeding their expectations with every interaction., • Responsible for having a thorough knowledge of all products and services offered by the credit union, including but not limited to shares, consumer loans, and e-services., • Provide telephone and virtual coverage for the Contact Center which has the responsibility of providing credit union services to members via the telephone, internet, mail and the Face2Face video service., • Participates in the Sales Incentive Program, providing Consumer and Real Estate loan referrals to Loan Experts or Branch Managers., • Open new share IDs and, through the interview process, cross-sell additional products to best benefit the member needs, and meet Contact Center goals., • Explain credit union services and prepare forms necessary for those services and either mail or DocuSign to members in a timely manner. Follow correspondence through to a timely end and ensure that member issues are resolved., • Efficiently provides servicing for all accounts and loans issues or concerns. Ensures that requests are processed correctly and completed in a timely fashion. Escalates more complex issues to management as appropriate., • Follows policies and procedures applicable to the MSS position to maintain compliance with government and credit union regulations, including but not limited to the Bank Secrecy Act., • Perform and assist with FNY Express Teller transactions as needed to ensure an unsurpassed level of service is provided to members. Monitors all machine statuses and escalates any issues as needed., • Performs shared branch transactions for guest members at the Express Teller., • Provides credit and debit card activation, as well as Instant Issue cards when needed., • Reset online passwords for members for First Online., • Troubleshoot credit and debit card issues when they arise, such as fraudulent activity and breaches. Initiates disputes when appropriate., • Provides quotes on consumer loan payoffs. Requests mortgage payoffs from the appropriate department., • Perform telephone transfers, stop payments and various other transactions in accordance with credit union procedures., • Thoroughly explain to member interest rates and how they are computed and disclosed., • Excellent communication and writing skills necessary to assist Live Person Requests., • Well versed in Online Account Opening and My Deposit, home and mobile banking suite of products in order to provide excellent member service., • Process and approve checks deposited through home and mobile banking., • Complete asset verification requests from Social Security/Medicaid.Requirements:, • High School graduate., • Previous financial branch credit union/bank experience., • Must be able to respect confidential information., • Must have a working knowledge of a PC, and a thorough knowledge of the core operating system., • Must have excellent verbal communication skills including impeccable telephone skills., • Must possess a desire to cross sell members during incoming and outbound telephone calls or internet email., • Must maintain a positive attitude with members and a cooperative attitude with other employees., • Must have excellent processing/information gathering skills., • Must have good typing/word processing skills., • Must have excellent organizational skills. Work Location: Fully On-Site

Job DescriptionDescription: Highly motivated individual who demonstrates a positive, outgoing, and influential personality when providing world-class member services to ensure that members expectations are exceeded during every interaction. The ideal candidate will maximize every opportunity to advertise e-services and increase membership along with promoting consumer and real estate loans via telecommunication and email. Duties & Responsibilities • Provides an unsurpassed level of member service, meeting and exceeding their expectations with every interaction., • Responsible for having a thorough knowledge of all products and services offered by the credit union, including but not limited to shares, consumer loans, and e-services., • Provide telephone and virtual coverage for the Contact Center which has the responsibility of providing credit union services to members via the telephone, internet, mail and the Face2Face video service., • Participates in the Sales Incentive Program, providing Consumer and Real Estate loan referrals to Loan Experts or Branch Managers., • Open new share IDs and, through the interview process, cross-sell additional products to best benefit the member needs, and meet Contact Center goals., • Explain credit union services and prepare forms necessary for those services and either mail or DocuSign to members in a timely manner. Follow correspondence through to a timely end and ensure that member issues are resolved., • Efficiently provides servicing for all accounts and loans issues or concerns. Ensures that requests are processed correctly and completed in a timely fashion. Escalates more complex issues to management as appropriate., • Follows policies and procedures applicable to the MSS position to maintain compliance with government and credit union regulations, including but not limited to the Bank Secrecy Act., • Perform and assist with FNY Express Teller transactions as needed to ensure an unsurpassed level of service is provided to members. Monitors all machine statuses and escalates any issues as needed., • Performs shared branch transactions for guest members at the Express Teller., • Provides credit and debit card activation, as well as Instant Issue cards when needed., • Reset online passwords for members for First Online., • Troubleshoot credit and debit card issues when they arise, such as fraudulent activity and breaches. Initiates disputes when appropriate., • Provides quotes on consumer loan payoffs. Requests mortgage payoffs from the appropriate department., • Perform telephone transfers, stop payments and various other transactions in accordance with credit union procedures., • Thoroughly explain to member interest rates and how they are computed and disclosed., • Excellent communication and writing skills necessary to assist Live Person Requests., • Well versed in Online Account Opening and My Deposit, home and mobile banking suite of products in order to provide excellent member service., • Process and approve checks deposited through home and mobile banking., • Complete asset verification requests from Social Security/Medicaid.Requirements:, • High School graduate., • Previous financial branch credit union/bank experience., • Must be able to respect confidential information., • Must have a working knowledge of a PC, and a thorough knowledge of the core operating system., • Must have excellent verbal communication skills including impeccable telephone skills., • Must possess a desire to cross sell members during incoming and outbound telephone calls or internet email., • Must maintain a positive attitude with members and a cooperative attitude with other employees., • Must have excellent processing/information gathering skills., • Must have good typing/word processing skills., • Must have excellent organizational skills. Work Location: Fully On-Site

Job Description Possible Hybrid Workplace Opportunity New York State Homes and Community Renewal (HCR) is the State’s affordable housing agency, with a mission to build, preserve, and protect affordable housing and increase homeownership throughout New York State. A Civil Service exam is not required for this position. Candidates must meet the minimum qualifications outlined below to be considered. NYS Homes and Community Renewal (HCR) is committed to fostering a culture of diversity, equity, inclusion, and accessibility. Our work would not be possible without the diverse backgrounds, experiences, ideas, and abilities of our employees. HCR is committed to developing a workforce which represents the diverse population of New York State. HCR embraces a diverse and inclusive work environment by encouraging all individuals, including those with disabilities, to apply to open positions at the agency. The Office of Legal Affairs provides legal advice, counsel and representation to all the Agencies’ offices and program areas and ensures that all matters comply with federal and state legal mandates. The primary functions are organized within four major subject matter areas or units, General Law, Litigation, Hearings, and Transactions. Job Summary: A team member in a fast-paced transactional real property practice representing the agency in complex construction and permanent lending and mortgage financing of multi-family affordable housing. Apply the laws relevant to Housing Trust Fund Corporation (HTFC), including the Public Authorities Law and Reform Act, Open Meetings Law, Private Housing Finance Law, and Public Officer's Law to ensure compliance. Job Duties: • Assigned a portfolio of active finance and development projects and conduct loan document review and preparation for closing and transactions., • Assist program staff to develop and implement enforcement policy as necessary for the agency units being served., • Represent the agency in low-income housing tax credit regulatory agreement negotiations., • Admission to the New York State Bar and two years of experience in the practice of law subsequent to admission to the Bar. What we offer at NYSHCR: • Extensive benefits package including paid leave, including excellent health, dental, vision and retirement benefits with the New York State & Local Employees’ Retirement System., • Promotional opportunity for dedicated professionals, • Work life balance benefits including a 37.5 hour work week and paid time off benefits including, vacation, sick, personal days, and Federal Holidays, • Opportunity for compressed scheduling, • 12 weeks of Paid Parental Leave Achieving this mission requires a wide range of skills and backgrounds in public policy, administration, real estate, construction. finance, law, and many other areas of expertise. We seek to provide a workplace environment that is productive, flexible, accountable, ethical, and caring. Our employees are empowered to make a difference where they live and work. We offer competitive pay and a comprehensive benefits package, including paid leave, health, dental, vision, retirement, and family-friendly policies. Applicants must include resume and cover letter. New York State is an Equal Opportunity Employer (EOE)

Job DescriptionDescription: The Mortgage Loan Originator (MLO) proactively solicits new residential mortgage business and sells the Credit Union mortgage products to meet established loan quality and production goals. In this on-going sales role, the Mortgage Loan Originator continually identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. Duties & Responsibilities • Meet with prospective borrowers. Review / Analyze credit and financial data., • Determine borrower financing objectives and goals. Present appropriate Credit Union products and programs and explain guidelines. Inform applicants of pricing and lock rate as required. Identify appropriate opportunities to sell additional products. Collect supporting loan documentation as required., • Utilizes Credit Union training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external members and internal business partners., • Provides complete loan applications to loan processing, • Ensures exceptional member experience by overseeing loan process from origination to close and providing on-going communication to members and business partners., • Develop business referral network through a significant commitment to outreach: marketing, cold-calling, prospecting and networking activities. Participate in community efforts to promote home ownership., • Ensures exceptional member service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements., • Achieves production goals as established by Credit Union.Requirements:, • Three to four years of residential mortgage lending experience., • Associate or bachelor’s degree preferred., • Must be self-directed, motivated, detail oriented and possess excellent oral and written presentation skills., • Must have a demonstrable record in establishing new business lending/banking relationships and achieving annual goals., • Must be able to work independently with limited supervision and in a team environment., • Must have or willing to obtain, within 12 months, a New York State Mortgage License. Work Location: Fully On-Site Salary Description Base rate of pay - $16.83/hr (Income Varies With Incentives)

Job Description We are seeking an Accountant reporting to our Controller. Responsible for a variety of accounting tasks including preparation of journal entries, maintenance of balance sheet accounts, supporting schedules and bank reconciliations. DUTIES & RESPONSIBILITIES · Handle daily financial operations, including verifying, categorizing, calculating, posting, and documenting financial transactions · Complete month end accounting closing procedures, including preparation/review of assigned asset and liability account reconciliations · Research and resolve any identified account reconciling items · Stay current with U.S. Generally Accepted Accounting Principles and implement new guidance as needed · Maintain up to date documentation of internal procedures, processes and controls related to responsible activities · Ensure appropriate grammar and clean formatting in all documentation · Develop strong working knowledge of general ledger software · Perform cash monitoring functions including daily deposits, weekly bank reconciliations, cash transfers, weekly custodial account reconciliations and recording required journal entries · Perform backup for daily data entry of sale transactions · Provide back up support to certain Finance activities including; preparation/review of advances from LOC and daily cash and line of credit reconciliations. · Assist with quarterly/annual regulatory reporting/filings · Preparation of ad hoc reports and analysis as requested · Maintain files and documentation thoroughly and accurately, in accordance with company policy and accepted accounting practices · Ensure all Non-Public Personal Information of our customers and all confidential non-public company information entrusted to your care is protected and disclosed only to those with a business related need to know the information. · Assist in other areas and perform other duties as may be assigned by management. POSITION SPECIFICATIONS/REQUIREMENTS · Bachelor’s degree in accounting · Relevant accounting work experience; 2 -5 years · Strong grasp of U.S. Generally Accepted Accounting Principles · Self-starter with demonstrated ability of successfully working both within a team and independently and with minimal supervision team · Excellent written and verbal communication skills · Analytical ability, detail oriented with an aptitude for figures · Ability to meet a constant stream of deadlines and prioritize tasks · A positive and cooperative attitude · Highly skilled in use of Excel Spreadsheets · Working knowledge of Word, Outlook and · Strong organizational skills · Ability to remain calm, multi-task and excel in a fast-paced deadline-oriented environment where work volume can fluctuate widely and quickly · Ability to handle delicate situations and conflict with tact and diplomacy · Ability to interact effectively, with courtesy and respect at all times, fellow employees, customers, investors and other vendors with whom we transact business while resolving any issues / concerns that arise · Must quickly obtain a sound knowledge of all relevant company policies and procedures pertaining to privacy and confidentiality · While not required, experience in mortgage industry is highly desirable with knowledge of Encompass 360 Loan Origination System Homestead Funding Corp. is an Equal Opportunity Employer. Company DescriptionHomestead Funding Corp. is a multi-state licensed mortgage banker with branches located throughout the eastern U.S. In operation since 1995, our corporate headquarters is located in Albany, New York where we have perennially been the area's largest independent mortgage lender. We have tens of thousands of satisfied customers, originated billions of dollars in residential mortgage loans and maintained a reputation of exceptional service, honesty, integrity and financial reliability. Our goal is simple. We want to offer our customers outstanding service and the best mortgage financing to suit their needs. Our mix of traditional and innovative mortgage products gives us the ability to evaluate and deliver a wide variety of competitively priced mortgage financing solutions. We understand that not every situation is the same and our company has embraced that diversity in our customers by continually upgrading our product portfolio. Homestead Funding is committed to working with customers to ensure a smooth process from initial pre-qualification and mortgage evaluation to closing. After closing, we maintain contact with our customers to keep apprised of their ever-changing goals so that we can continue to service their home financing needs. This reflects our commitment to serving our customers for life.Homestead Funding Corp. is a multi-state licensed mortgage banker with branches located throughout the eastern U.S. In operation since 1995, our corporate headquarters is located in Albany, New York where we have perennially been the area's largest independent mortgage lender. We have tens of thousands of satisfied customers, originated billions of dollars in residential mortgage loans and maintained a reputation of exceptional service, honesty, integrity and financial reliability.\r\n\r\nOur goal is simple. We want to offer our customers outstanding service and the best mortgage financing to suit their needs. Our mix of traditional and innovative mortgage products gives us the ability to evaluate and deliver a wide variety of competitively priced mortgage financing solutions. We understand that not every situation is the same and our company has embraced that diversity in our customers by continually upgrading our product portfolio.\r\n\r\nHomestead Funding is committed to working with customers to ensure a smooth process from initial pre-qualification and mortgage evaluation to closing. After closing, we maintain contact with our customers to keep apprised of their ever-changing goals so that we can continue to service their home financing needs. This reflects our commitment to serving our customers for life.