Retail Lending Specialist

The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Retail Lending team as:

Retail Lending Specialist

This opportunity may be perfect for you if you have experience in:

> Thorough knowledge of consumer lending regulations

> Strong Verbal and Written communication

> Strong Organizational Skills with ability to multitask

About this position:

Responsible for processing Home Equity loan requests originating from our branch network’s retail lending staff and managers. Will analyze supporting documentation and make appropriate decision recommendations which comply with Loan Policy and follow regulatory guidelines.

Responsibilities

RESPONSIBILITIES:

> Analyze loan applications and supporting documentation to make informed recommendations for loan requests originating in branch system or through walk-in and telephone requests or referrals

> Comply with established operating policies and procedures in order to maintain adequate controls and to support the Company’s adherence to outside regulatory requirements.

> Maintain appropriate records, loan files and documentation to meet Company and regulatory requirements.

> Assist with report generation, preparation of closing documents, communication of closing contingencies, review of legal opinion letters, and workflow coordination.

> Maintain major policy exception file and prepare quarterly Loan Quality Exception and Statistical reports in an accurate and timely manner.

> Provide support, and guidance to Retail Lending staff on lending process and regulations; stay up-to-date on policy changes, procedure updates, and regulatory requirements; share knowledge with Retail Lending staff and others as appropriate.

> Coordinate work within department to ensure timely delivery of service to external customers as well as other departments. Provide periodic updates on workflow to manager and lending team.

> Keep current on lending regulations, operating policies and procedures, and Company lending products and services; participate in training as appropriate.

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 Diploma or equivalent experience required

> 2 years of experience in an administrative role or business environment preferred

Skills/Knowledge:

> Thorough knowledge of consumer lending regulations; familiarity with procedures and policies impacting consumer loan servicing preferable

> Proficient in Microsoft Office including: Word, Excel, and Outlook; knowledge of lending-related software a plus

> Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management and other third parties

Physical Demands:

> Prolonged periods sitting at a desk and some brief periods of walking/standing

> Repetitive use of telephone, computer, computer mouse, and keyboard

> Must be able to lift up to 15 lbs. at times

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. Through our subsidiaries 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 $18 - $21 commensurate with experience and education.

Additional compensation may be earned through the Company’s profit-sharing bonus program, subject to individual and company performance.

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