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Job Description Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. Headquartered in Rochester, NY we have offices throughout New York and Florida, and are licensed in AL, CT, FL, MA, NE, NJ, NY, OH, PA, SC, TN, TX, and VT. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. This posting is an evergreen posting. While the posting is open for applications, we may not be actively filling this roll. The Underwriter is responsible for evaluating risk and making loan decisions based on existing underwriting guidelines and information and documentation provided in the loan file. The Underwriter will be responsible for completing the following job duties. • Reviews conditions on files within posted turn times, • Completes underwrite on files submitted to underwriting for approval within posted turn times, • Provides feedback on loan quality to the Underwriting Manager, • Mentors and develops processing staff and loan officers, • Maintains a unified voice with fellow underwriters on underwriting guidance, • Escalates files issues not covered in our guidelines to Underwriting Manager for guidance, • Communicates decisions to all internal parties, • Works jointly with co-workers to respond to concerns of quality on files, such as QC, PETR, NOR or audit/clarification requests from different managers or departments, • Stays up to date on changing rules and regulations pertaining to conventional and government-insured mortgages, • Meets the required KPI standards for the position (6 units per day based on weighted scale), • Training as needed This job description reflects management’s assignment of essential functions; and nothing in this herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time. The following qualification are required of the Underwriter. Education: • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable. Experience: • Previous experience in the mortgage industry with understanding of underwritingSkills:, • Customer service, • Time management, • Written communication, • Verbal communication, • Team player, • Able to multi-task, • Detail orientated, • Organizational, • Problem solving, • Independent Judgement The following equipment is used daily by the Underwriter and provided by Premium Mortgage. • Computer, • Phone, • Printer/copier/fax machine, • Excel and word programs, • Encompass software The Underwriter is primarily in an office setting and may be exposed to outdoor conditions. The working conditions are classified as sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. The following is a description of the physical requirements on a daily basis for the Underwriter. While performing the duties of the job the employee is regularly expected to: • Stand, • Sit, • Hear, • Walk, • Talk, • Stoop or kneel, • Repetitive motion This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned. Premium Mortgage Corporation provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. The starting base salary range for this position is $75,000 - $90,000, yearly. This is the range of the base pay only, it does not include other components that make up the total compensation package of the position. If offered a position, your total compensation package will be determined by experience, location, skills and/or education which may result in a total compensation package that falls outside the provided range.

Job Description Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. Headquartered in Rochester, NY we have offices throughout New York and Florida, and are licensed in AL, CT, FL, MA, NE, NJ, NY, OH, PA, SC, TN, TX, and VT. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. This posting is an evergreen posting. While the posting is open for applications, we may not be actively filling this roll. The Processor obtains, processes, and reviews all required loan documentation in compliance with the company’s established deadlines. Job Duties: The Processor will be responsible for completing the following job duties. This job description reflects management’s assignment of essential functions; and nothing in this herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time. • Currently (or will be within the first year of hire) trained and approved to process the following loan types: Conventional, FHA, USDA, VA, Construction END loans, Jumbo, and Portfolio., • Reviews all documentation necessary for Loan Approval for accuracy, completeness, and tracks all data in origination software (Encompass), • Quickly and efficiently answers questions from consumer throughout the mortgage process, • Stays up to date on changing rules and regulations pertaining to Conventional, Government-insured mortgages, and all other products offered by Premium Mortgage., • Processes verifications for credit items, including, but not limited to: Employment, Asset information, Rental history, Credit reports, etc., • Works closely with Underwriting and Closing departments to ensure the timely processing and quality of loan file flow, • Review conditions and ensure Borrower(s) is providing the correct information needed to get their loan Cleared to close., • Training as needed The following qualification are required of the Processor. Education: • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable.Experience:, • Previous experience in the mortgage industry with understanding of loan processingSkills:, • Customer service skills, • Time management skills, • Written communication skills, • Verbal communication skills, • Team player, • Multi-tasking, • Detail orientated, • Organizational skills, • Problem solving skills, • Independent JudgementWorking Conditions: The Processor is primarily in an office setting and maybe exposed to outdoor conditions. Premium Mortgage adheres to a hybrid work model with a requirement of 3 days in office. The working conditions are classified as sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Physical Requirements: The following is a description of the physical requirements on a daily basis for the Processor. While performing the duties of the job the employee is regularly expected to: • Stand, • Sit, • Hear, • Walk, • Talk, • Stoop or kneel, • Repetitive motion This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned. Premium Mortgage Corporation provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. The starting base salary range for this position is $24.00 - $27.50, hourly. This is the range of the base pay only, it does not include other components that make up the total compensation package of the position. If offered a position, your total compensation package will be determined by experience, location, skills and/or education which may result in a total compensation package that falls outside the provided range.

Job Description Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. Headquartered in Rochester, NY we have offices throughout New York and Florida, and are licensed in AL, CT, FL, MA, NE, NJ, NY, OH, PA, SC, TN, TX, and VT. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. Premium Mortgage is looking to expand its Closing Department with an experienced Closing Coordinator. Job Duties: The Closing Coordinator will be responsible for completing the following job duties. • Manages closing and initial CD pipelines to ensure all queues are current, • Prepare final closing disclosure in accordance with federal guidelines and established procedures, • Fund loan to attorney using designated warehouse lines, • Work with attorneys to schedule closings, • Establishes and maintains relationships with attorneys, • Assists management in identifying trends and gaps in processes and works to find resolutions, • Works collaboratively to meet turn time requirements and departmental priorities, • Completes training as required, • Completes other duties as assigned by management The following qualifications are required of the Closing Coordinator Education: A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable Experience: Previous experience in the mortgage industry with understanding of loan processing Skills: • Customer service skills, • Time management skills, • Written communication skills, • Verbal communication skills, • Team player, • Multi-tasking, • Detail orientated, • Organizational skills, • Problem solving skills, • Independent JudgementWorking Conditions: The Closing Coordinator is primarily in an office setting and maybe exposed to outdoor conditions. Premium Mortgage adheres to a hybrid work model with a requirement of 3 days in office. The working conditions are classified as sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned. Premium Mortgage Corporation provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. The starting base salary range for this position is $21.00 - $25.00, hourly. This is the range of the base pay only, it does not include other components that make up the total compensation package of the position. Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the Total Package that is provided to compensate and recognize employees for their work.

Job Description Want to Submit a Resume? Perhaps our current openings are not a match for your qualifications. If so, you may submit your application and resume, as part of this career post, for consideration as future opportunities arise at The Summit Federal Credit Union, in the Rochester, Buffalo, and Syracuse Regions.* Opportunities Frequently Available (Part Time & Full Time) - Check Career Page for Current Openings Teller – Provides quality member service by working with members to process transactional needs. Using cross-selling techniques, Tellers uncover the needs of members and then refer or sell financial products and services that are best suited for each member. Member Service Specialist – Using cross-selling techniques Member Service Specialists (MSS) uncover the needs of members and provide them with information, in order to help members determine which products or services will best meet their needs. Then, the MSS assists members with accessing those resources. This is performed in person, as well as over the telephone. Member Service Center Representatives – Establishes and maintains a positive rapport with members, leading to loyal relationships with members. Member Service Center Representatives (MSCRs) accomplish this by listening and responding to members' requests. MSCRs receive most transaction requests via phone communications, as well as through email and postal mail correspondence. Using cross-selling techniques, MSCRs provide valuable information to members about the features and benefits of the products and services offered by The Summit. Future Opportunities That May Become Available - No Current Openings Accounting Branch Management Call Center Collections Compliance & Risk Management Consumer Lending Facilities Human Resources Indirect Lending Information Systems Information Technology Marketing and Business Development Member Technology Solutions Mortgage Training and Development • Please Note: All candidates must submit an application and resume in order to be considered for current and/or future career opportunities. Aside from branch roles, all other roles work from our Corporate Office located in Rochester, NY. EQUAL OPPORTUNITY EMPLOYER The Summit Federal Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, protected veteran status, or status as a qualified individual with disability.

Job Description Renovation Underwriter Job Description Full Time | Hybrid | Salary Range: $72,000 – $90,000 annual Pay Transparency: Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the total package that is provided to compensate and recognize employees for their work. About Premium Mortgage Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. Why us? Benefits offered by Premium Mortgage: • Insurance: Medical, Dental, Vision, Company Paid Life Insurance, • Time Off: Paid Time Off, Sick Time, Federal Holidays, Birthday PTO, • Additional Perks: Employee Referral Fee, HSA Employer Contribution, Employee Mortgage Loans Role & Responsibilities The Renovation Underwriter is responsible for evaluating risk and rendering credit decisions on renovation loan applications in accordance with agency guidelines and company policy. This role requires in-depth knowledge of standard mortgage underwriting principles as well as specialized expertise in renovation lending programs across FHA, Fannie Mae, Freddie Mac, VA, and SONYMA, including the unique collateral, contractor, and project feasibility considerations inherent to renovation transactions. Underwriting Responsibilities • Completes full credit underwrite on files submitted to underwriting for approval within posted turn times, • Reviews conditions on files within posted turn times and communicates decisions clearly to all internal parties, • Maintains a unified voice with fellow underwriters on underwriting guidance and escalate file issues not covered by existing guidelines to the Head of Renovation for direction, • Provides feedback on loan quality and mentors processing staff and loan officers on file preparation and guideline compliance, • Works jointly with colleagues to respond to quality concerns, including QC, PETR, NOR, and audit or clarification requests from managers or other departments, • Stays current on changing rules and regulations pertaining to Conventional, Government-insured mortgages, and all renovation products offered, • Meets required KPI standards for the position, • Participate in training and development as needed Renovation Responsibilities • Underwrites renovation loan files in accordance with FHA 203(k), Fannie Mae HomeStyle, Freddie Mac CHOICERenovation, VA renovation, and SONYMA RemodelNY guidelines, • Evaluates project feasibility, including scope of work, contractor qualifications, construction bids and consultant reports to assess risk and ensure compliance with program requirements, • Reviews and approves contractor documentation, including licenses, insurance certificates, W-9s, executed contracts, and cost breakdowns, • Analyzes as-completed appraisals to confirm that the subject property’s projected value supports the renovation loan amount and complies with applicable LTV/CLTV requirements, • Reviews renovation escrow calculations and contingency reserves to ensure proper structuring of the renovation holdback in accordance with agency guidelines, • Coordinates with the Renovation Lending Analyst and closing team to confirm RLS system setup, pre-closing collateral documentation, and post-closing draw administration readiness, • Reviews Loan Estimates (LE) and Closing Disclosures (CD) to confirm accurate accounting of all renovation-related fees, holdbacks, and escrow items, • Identifies and escalates unusual project risks, incomplete contractor documentation, or scope-of-work concerns to the Head of Renovation prior to issuing a decision, • Supports post-closing draw administration oversight by providing underwriting guidance on change orders, project scope modifications, or borrower disputes as needed This job description reflects management’s assignment of essential functions; and nothing in this herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Qualifications for this position Education • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable. Experience • Minimum two years prior mortgage underwriting experience with a strong understanding of credit analysis, collateral evaluation, and agency guidelines., • Direct experience underwriting renovation loan products (FHA 203k, Fannie Mae HomeStyle, Freddie Mac CHOICERenovation, VA renovation, or SONYMA) strongly preferred., • Familiarity with renovation escrow administration, draw management processes, and as-completed appraisal review preferred., • DE/SAR certifications preferred; CHUMS ID required for FHA renovation underwriting. Transferable Skills • Strong analytical and independent judgment skills with the ability to make sound credit decisions., • Excellent written and verbal communication skills with the ability to clearly convey underwriting decisions and conditions., • Detail-oriented with strong organizational and problem-solving abilities., • Effective time management and ability to manage multiple files simultaneously within established turn times., • Collaborative team player with the ability to mentor and support processing and origination staff. Working Conditions The Renovation Underwriter is primarily in an office setting and may be exposed to outdoor conditions. The working conditions are classified as Sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time.

Job Description Renovation Lending Analyst Job Description Full Time | Hybrid | Salary Range: $24.00/ hr - $27.50/ hr Pay Transparency: Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Base pay is one part of the total package that is provided to compensate and recognize employees for their work. About Premium Mortgage Since 1999, Premium Mortgage Corporation has been providing residential mortgages across New York State and beyond, offering competitive interest rates and a wide variety of loan programs to fit the needs of homebuyers. As a mortgage lender, our number one goal is for every customer to feel comfortable, informed, and well taken care of. After all, a mortgage isn’t just a transaction to us. It's a partnership for life. We accomplish this level of customer satisfaction by employing top tier talent—all of whom take part in our employee engagement program called the Premium Experience. This program allows our team members to live out our core values, while supporting them with opportunities for professional and personal growth. With hundreds of team members living out the Premium Experience every day, they are the driving force in making Premium Mortgage Corporation a leading lender in the communities we serve. All positions with Premium Mortgage operate on a Hybrid work schedule unless an exception has been granted by Upper Management. Why us? Benefits offered by Premium Mortgage: • Insurance: Medical, Dental, Vision, Company Paid Life Insurance, • Time Off: Paid Time Off, Sick Time, Federal Holidays, Birthday PTO, • Additional Perks: Employee Referral Fee, HSA Employer Contribution, Employee Mortgage Loans Role & Responsibilities The Renovation Lending Analyst supports the Renovation Lending Division by overseeing loan origination through clear to close, with cross-training to provide coverage for renovation escrow administration and draw processing when needed. This role ensures compliance with company and regulatory standards, and drives timely, high-quality customer outcomes. The position reports to the Head of Renovation Lending. Loan Processing • Reviews all documentation necessary for loan approval for accuracy, completeness, and tracks all data in origination software, • Processes verifications for credit items including, but not limited to: employment, asset information, rental history, and credit reports., • Reviews conditions and ensures borrower(s) are providing the correct documentation needed to achieve a Clear to Close, • Stays current on changing rules and regulations pertaining to Conventional, Government-insured mortgages, and all specialty products offered, • Works closely with Underwriting and Closing departments to ensure timely processing and quality loan file flow, • Responds quickly and efficiently to borrower inquiries throughout the mortgage process Renovation • Reviews Loan Estimates (LE) and Closing Disclosures (CD) to ensure proper accounting for all renovation-related fees and line items, • Sets up loans in the Renovation Lending System (RLS) to enable pre-closing renovation collateral documentation and configure for post-closing draw administration, • Assists in gathering and reviewing contractor documentation, including licenses, insurance, bids, and executed contracts, • Cross-trains on post-closing draw administration processes, including draw request review, inspection coordination, and disbursement workflows, • Maintains expertise in renovation guidelines and credit criteria for FHA (203k), Fannie Mae (HomeStyle), Freddie Mac (CHOICERenovation), VA renovation, and SONYMA RemodelNY, • Provides training and support as needed within the renovation lending team This job description reflects management’s assignment of essential functions; and nothing in this herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Qualifications for this position Education • A college degree with two years related experience and/or training. A combination of equivalent education and experience is acceptable Experience • Previous experience in the mortgage industry with understanding of loan processing, • Familiarity with Encompass Transferable Skills • Customer service skills, • Time management skills, • Written communication skills, • Verbal communication skills, • Team player, • Multi-tasking, • Detail orientated, • Organizational skills, • Problem solving skills, • Independent Judgement Working Conditions The Renovation Lending Analyst is primarily in an office setting and may be exposed to outdoor conditions. The working conditions are classified as Sedentary work: • Sedentary work - Exerting up to 10 pounds of force occasionally, and/or a negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time.

Do you want to be a part of transforming the lives of others? Are you eager to grow in your career and work for a company where you can control your own salary? We are looking for game changers with an eagerness to connect and guide our customers to their future home. Let's talk! Apply today! The main job purpose as a Retail Home Consultant with Clayton will be to create a world class home buying experience by assisting customers to identify a floor plan, select options, and coordinate the construction process. • Clayton Ambassador protect the Clayton branding and assets by maintaining a high level of integrity throughout the sales process, • Constant Learner develop expertise in areas such as finance mortgage concepts, product, sales acumen, sales presentation skills and your local market, • Customer Follow-up maintain customer files and provide timely follow-up with prospective buyers via the company's CRM system, • Merchandising assist manager by helping select inventory, decorate models and maintain appearance of the homes, • Personal Prospecting develop, refine and execute a strategic sales and marketing plan to increase home center traffic, • Product Demonstration present potential buyers display homes, demonstrate features and benefits to create added value, • Set Appointments set home center visits utilizing prospect database and by converting ad calls and web leads to appointments, • Training participates in all sales meetings, training opportunities and other company sponsored functions, • Team Oriented cooperative and collaborative, willing and eager to work in a team environment, assist with miscellaneous duties as required, • At least 6 months of relationship driven business to consumer sales preferred, • General understanding of the retail environment, • Ability to obtain appropriate manufactured home sales licensing, • Learn and comply with legal requirements that apply to the sale of manufactured homes, • Strong verbal communication skills, • Ability to excel and contribute to a team environment, • Strong organizational and time management skills, • Ability to work required schedule, including Saturdays, • Professional demeanor and appearance, • Ability to walk the lot and show homes throughout all seasons, • Ability to move and lift furniture, promotional items, etc. (up to 75 lbs.), • Subject to criminal background check and drug screening, • As a Home Consultant with Clayton, you will receive a $50k base salary plus a lucrative commission plan, • Unlimited career and earning potential Clayton is a leading single-family, values-driven home builder dedicated to attainable housing, sustainable practices and creating a world-class experience for customers and team members. Our company portfolio includes a broad offering of attainable housing, and as a vertically integrated home builder, we are uniquely positioned to serve customers through every stage of the homeownership journey building, selling, financing, and insuring homes. Why Clayton? Full-time team members have the flexibility to create their own health, dental, and vision benefits package. Clayton provides competitive 401K programs including investment options and company matching for full and part time team members after one year to help our team members achieve their financial goals. Additional benefits include paid parental leave, Employee Assistance Programs, paid time off, paid holidays and more. As part of Clayton's commitment to Opening Doors to a Better Life, Clayton is now providing paid time for Team Members to volunteer to causes that are meaningful to them through the Clayton Impact program. At Clayton, we encourage holistic wellness with physical, nutritional, social, financial, spiritual and occupational programs. Home Centers are closed on Sundays we believe in offering a balanced working environment. Clayton is committed to creating an inclusive workplace. Clayton is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status.

Responsible for performing various collection duties on consumer or mortgage accounts in various stages of risk or performance to effectively reduce delinquency, losses and increase recoveries. Areas of delinquencies are categorized as follows: Installment loan accounts Revolving accounts Lease accounts Credit card accounts Overdraft / Goldlines Mortgage loans Accounts and calls are moderate in nature. Performance objectives will be assigned on an individual basis regarding specific area(s) of responsibility. Essential Job Functions Take all necessary actions to collect payments or charge-off recoveries via predictive dialer or by manual inbound/outbound calls. May initiate and prepare files for repossession, charge-off, NOD and skip trace. Ability to assess customer's financial situation for possible referral for loss mitigation. Uses various collection systems to update customers' accounts and to send correspondence. Understands and adheres to the Fair Debt Collection Practice Act, Collection Laws, and Fair Credit Reporting Act.

Resolve account related concerns, provide general credit union information, intake and follow up on consumer loan applications excluding residential mortgage lending. Resolve account related concerns, provide general credit union information, intake and follow up on consumer loan applications exclud

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. Originate and process a targeted number of family r

The Mortgage Loan Originator (MLO) is responsible to proactively solicit new residential mortgage business and sell GRB mortgage products to meet established loan quality and production goals while delivering the GRB Experience to our clients. The MLO works with customers to take mortgage applicatio

Job Description Overview At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities The Wealth Management Liability Consultant serves as a strategic balance sheet and lending consultant supporting the integrated wealth management platform of Nottingham Financial Group, including: • Nottingham Investment Services - A team of 30 Financial Consultants (partnered with LPL Financial as Broker Dealer)., • Nottingham Trust - 20 Trust Officers providing fiduciary and estate planning services., • Nottingham Advisors - The Asset Management Group, which manages portfolios for high-net-worth (HNW) individuals and institutional clients. This highly experienced professional will act as the primary lending strategist and credit advisor across all three business lines, providing customized, client-centric lending and balance sheet solutions that complement the firm’s holistic wealth management approach. The ideal candidate possesses deep knowledge of private banking, credit structures, and wealth lending products — along with full securities licensing and demonstrated experience collaborating within a multi-disciplinary wealth team environment. Essential Duties: Lending and Balance Sheet Consultation • Serve as the firm’s subject matter expert on lending and credit strategy, delivering personalized liability management advice to HNW individuals, business owners, and institutional clients., • Design and recommend comprehensive balance sheet solutions integrating both sides of the client’s financial statement — assets and liabilities., • Advise on and structure lending solutions across a range of products, including:, • Securities-Based Lending (SBL), • Residential and Jumbo Mortgages, • Specialty Asset Financing, • Custom Credit Facilities for HNW and Institutional Clients Partnership and Collaboration • Partner closely with Financial Consultants (LPL-affiliated) to identify and execute credit opportunities that enhance the overall wealth plan and deepen client relationships., • Collaborate with Trust Officers to provide liquidity and lending solutions for trust clients and estate planning strategies., • Work in tandem with Portfolio Managers and the Asset Management Team to develop liability strategies that align with investment objectives, cash flow needs, and risk tolerance., • Serve as an internal resource, trainer, and consultant for credit strategy education across the wealth platform., • Liaise with internal banking partners and external credit providers to ensure efficient execution, competitive pricing, and adherence to policy standards. Client Engagement and Relationship Management • Participate in joint client meetings alongside Financial Consultants and Relationship Managers to deliver comprehensive balance sheet advice., • Proactively identify and originate lending opportunities to support client acquisition and retention., • Deliver high-touch, consultative service tailored to HNW and institutional client needs., • Maintain strict adherence to regulatory and compliance standards across lending and securities activities. Strategic and Leadership Contributions • Support the President & Program Leader in developing firmwide credit strategy and balance sheet management initiatives., • Contribute to cross-functional projects aimed at integrating lending capabilities with investment, trust, and advisory functions., • Serve as a thought leader on credit market trends, risk management, and interest rate environment impacts., • Help shape and refine the firm’s advisor training and lending enablement programs Qualifications Education, Training, Experience, and Skill Requirements: Requirements: • Education: Bachelor’s degree in Finance,, • Economics, Business, or related field required; MBA or advanced degree preferred., • Licensing:, • FINRA Series 7 and 66 (or 63 & 65) required., • NMLS registration preferred (for mortgage-related activities). Experience: • Minimum 10+ years in private banking, wealth lending, or credit advisory roles serving high-net-worth and institutional clients., • Proven track record developing customized credit solutions and collaborating with financial advisors, trust professionals, and portfolio managers., • Deep understanding of credit analysis, collateral structures, and risk mitigation strategies., • Strong communication and presentation skills; ability to articulate complex lending concepts clearly to advisors and clients., • Familiarity with LPL Financials platform or similar independent broker/dealer environments strongly preferred., • High ethical standards, collaborative mindset, and commitment to a fiduciary culture. Core Competencies • Strategic Advisory Skills – Ability to integrate credit strategy into comprehensive wealth planning., • Collaboration & Influence – Effective working across business lines and with external partners., • Client-Centric Mindset – Commitment to delivering value through holistic advice and exceptional service., • Financial Acumen – Deep knowledge of complex lending products and credit market dynamics., • Regulatory Awareness – Understanding of securities and lending compliance requirements., • Leadership – Ability to educate, mentor, and elevate the credit literacy of the advisory team., • All applicants must be 18 years of age or older.

Job Description Overview At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities As a member of the Retail Banking Team, the Mortgage Loan Consultant originates mortgage loans to meet individual and department production goals. Loans must be originated in accordance with bank policies and investor and regulatory guidelines, with an emphasis on delivering superior customer service. The Mortgage Loan Consultant is responsible for establishing and maintaining strong professional ties to area business generators by executing a sales call program to service realtors and other referral sources to develop new mortgage business. • Grow Your Pipeline – Proactively generate mortgage loan opportunities through networking, outreach, and a structured sales approach targeting realtors, builders, financial planners, and other referral sources., • Close More Deals – Identify customer needs through a formal consultative process, present tailored mortgage solutions, and guide clients through the loan process from application to closing., • Be the Go-To Expert – Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies., • Deliver White-Glove Service – Conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience., • Maximize Cross-Selling Opportunities – Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management., • Own the Loan Process – Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding., • Stay Ahead of the Market – Keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor., • Make an Impact – Represent the bank at local business and community events, delivering exceptional value and building brand awareness., • Drive Compliance & Excellence – Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics., • Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner., • Perform other related duties as assigned or directed. Ancillary Duties: • Cooperate with other members of department to achieve department goals, • Cooperate with employees of other departments to provide quality service, solve problems and achieve bank goals Qualifications Education, Training and Requirements: • An Associates degree or equivalent preferred. High School Diploma or GED required., • Specialized Banking and lending education and training., • Valid driver license., • All applicants must be 18 years of age or older. Skills: • A Winning Mindset – Proven sales experience with a drive to exceed goals and a passion for helping clients understand the value of working with you., • A Sales-First Approach – Strong relationship-building skills and the ability to generate referrals and new business opportunities., • Financial Knowledge – An understanding of mortgage products, underwriting guidelines, and regulatory requirements., • Technology & Communication Skills – Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities., • Education & Licensing – An Associates degree (or equivalent experience), specialized banking/lending training, and active NMLS registration under The SAFE Act., • A Commitment to Growth – Willingness to embrace and share new ideas and different perspectives that enhance personal growth and success while participating in ongoing sales coaching and mentorship., • Must be able to consistently demonstrate the Company’s core values: Integrity, Excellence, Teamwork, and Humility Other: • This position requires National Mortgage Licensing System (“NMLS”) registration under the terms of The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act). Candidates who do not currently hold NMLS registration must be able to successfully obtain and maintain registration upon hire. Experience: • 3+ years of experience in a professional sales environment in financial services normally required. Training Program: As part of onboarding for the Mortgage Loan Consultant role, Community Bank provides exclusive access to MBA Education’s School of Loan Origination (SOLO). This instructor-led program offers a strong foundation in mortgage lending, including how to take accurate loan applications, evaluate credit, understand loan products and pricing, and structure transactions. The course also includes real-world case studies to build confidence and strategies to grow your business while serving your community. We want every new team member to feel properly trained, equipped, and confident to succeed in this important role.

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