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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. 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.

HOUR

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.<ul><li>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.</li><li>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.</li><li>Be the Go-To Expert – Educate customers on loan programs, underwriting guidelines, and market trends while ensuring compliance with regulatory policies.</li><li>Deliver White-Glove Service – Conduct personalized consultations, either in-office or at convenient locations, to ensure a seamless borrowing experience.</li><li>Maximize Cross-Selling Opportunities – Expand relationships by referring clients to other banking services, including deposit accounts, business banking, insurance, and wealth management.</li><li>Own the Loan Process – Oversee the loan application lifecycle, coordinating with underwriting, processing, and closing teams to ensure timely funding.</li><li>Stay Ahead of the Market – Keep informed of industry trends, local market conditions, and regulatory updates to position yourself as a trusted mortgage advisor.</li><li>Make an Impact – Represent the bank at local business and community events, delivering exceptional value and building brand awareness.</li><li>Drive Compliance & Excellence – Maintain full compliance with federal and state mortgage regulations while upholding the highest standards of professional ethics.</li><li>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 job-specific training requirements in a timely fashion.</li><li>Perform other related duties as assigned or directed.</li></ul>Ancillary Duties:<ul><li>Cooperate with other members of department to achieve department goals</li><li>Cooperate with employees of other departments to provide quality service, solve problems and achieve bank goals</li></ul> 

Qualifications:
Education, Training and Requirements:<ul><li>An Associate's degree or equivalent preferred. High School Diploma or GED required.</li><li>Specialized Banking and lending education and training.</li><li>Valid driver license.</li></ul>Skills: <ul><li>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.</li><li>A Sales-First Approach – Strong relationship-building skills and the ability to generate referrals and new business opportunities.</li><li>Financial Knowledge – An understanding of mortgage products, underwriting guidelines, and regulatory requirements.</li><li>Technology & Communication Skills – Proficiency in mortgage software, CRM systems, and strong verbal/written communication abilities.</li><li>Education & Licensing – An Associate's degree (or equivalent experience), specialized banking/lending training, and active NMLS registration under The SAFE Act.</li><li>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.</li><li>Must be able to consistently demonstrate the Company’s core values: Integrity, Excellence, Teamwork, and Humility</li></ul>Other:<ul><li>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).</li></ul>Experience: <ul><li>3+ years of experience in a professional sales environment in financial services normally required.  </li></ul> 

Min:
USD $24.75/Hr.

Max:
USD $38.31/Hr.

Other Job Information:
Hours: 40 hours/week Compensation: Consistent hourly pay complemented by a lucrative commission structure. This role offers the best of both worlds — predictable income and the opportunity to be rewarded directly for your success. 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! 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. 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. The Company is an Affirmative Action, Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law. The Company will make reasonable accommodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department.

Community Financial System, Inc.

Mortgage Loan Consultant

Banking Services

Brand Marketing (Branding)

Business Banking

Business Development

Business Growth

Coaching

Commercial Banking

Communication Skills

Community Banking

Compensation and Benefits

Consulting

Cross-Selling

Customer Relationship Management (CRM) Systems

Customer Support/Service

Customer Training

Driver's License

Exceeded Sales Goal

Federal Laws and Regulations

Financial Planning

Financial Services

Financial Systems

Funding

High School Diploma

Industry/Trade Analysis

Insurance

Investment Management

Licensing

Lift/Move 25 Pounds

Loan Origination

Loan Underwriting

Loans

Maintain Compliance

Market Trend Analysis

Mentoring

Mortgage

Mortgage Lending

Mortgage Regulations

Needs Assessment

Physical Demands

Presentation/Verbal Skills

Problem Solving Skills

Real Estate Sales

Regulations

Regulatory Compliance

Regulatory Requirements

Retail Banking

Revenue Growth

Risk Management

Sales

Sales Closing Skills

Sales Pipeline

Software Development Lifecycle (SDLC)

State Laws and Regulations

Team Player

Time Management

Underwriting

Wealth Management

Writing Skills

[AW]-iCims

FULL_TIME

YEAR

Essex Junction Parks & Recreation is seeking a friendly, organized, and customer-focused professional to serve as our Customer Service Specialist. This role is the front line of our department, supporting residents, participants, and visitors while helping ensure smooth day-to-day operations.

<h3>Essex Junction Parks & Recreation is seeking a friendly, organized, and customer-focused professional to serve as our Customer Service Specialist. This role is the front line of our department, supporting residents, participants, and visitors while helping ensure smooth day-to-day operations. The ideal candidate brings a positive attitude, strong problem-solving skills, and a willingness to assist the public across a variety of needs. At times, this individual may work independently in the office, handling customer transactions, answering questions, and keeping operations running smoothly. Pay/Wages The pay rate is between $20.05- $27.18 based on experience. Benefits(this is not a comprehensive list of benefits)</h3><ul style="margin-bottom:11px"><li style="margin-left:16px;margin-bottom:11px">3 weeks paid vacation to start.</li><li style="margin-left:16px;margin-bottom:11px">14 paid holidays</li><li style="margin-left:16px;margin-bottom:11px">18 sick days per year</li><li style="margin-left:16px;margin-bottom:11px">Retirement benefits include a pension plan (VMERS C) or deferred compensation plan (VMERS DC) , and the ability to contribute to a 457, Traditional IRA or ROTH</li><li style="margin-left:16px;margin-bottom:11px">Generous health insurance benefit in which the City pays 94% of the premium for medical and the first 80% of the deductible. After that, you are only responsible for the next 20%, which is not more than $600 for single plans and no more than $1200 for all other plans for covered medical expenses.</li><li style="margin-left:16px;margin-bottom:11px">100% employer paid for dental and vision</li><li style="margin-left:16px;margin-bottom:11px">100% employer paid short-term disability and life insurance</li><li style="margin-left:16px;margin-bottom:11px">Qualified Employer for Public Service Student Loan Forgiveness Program</li></ul>What You’ll Do<ul style="margin-bottom:11px"><li style="margin-bottom:11px">Provide high-quality customer service in person, by phone, and via email</li><li style="margin-bottom:11px">Assist with program and event registrations, facility passes, and memberships</li><li style="margin-bottom:11px">Help customers navigate online registration systems and household accounts</li><li style="margin-bottom:11px">Process daily transactions, receipts, and postal mail</li><li style="margin-bottom:11px">Maintain accurate records and support administrative needs across the department</li><li style="margin-bottom:11px">Work closely with the Business Coordinator to balance receipts and support financial tracking</li><li style="margin-bottom:11px">Assist with recreation software updates, program listings, and registration setup</li><li style="margin-bottom:11px">Manage facility schedules and support reservations</li><li style="margin-bottom:11px">Serve as a point of contact for vendors and contractors for park and facility needs</li><li style="margin-bottom:11px">Communicate with internal departments, staff, and the public to ensure smooth coordination</li><li style="margin-bottom:11px">Provide backup support for Business Coordinator duties as needed</li></ul>What You’ll Bring<ul style="margin-bottom:11px"><li style="margin-bottom:11px">Strong customer service skills and a commitment to providing a positive experience</li><li style="margin-bottom:11px">Ability to communicate clearly (written and verbal) with a wide range of audiences</li><li style="margin-bottom:11px">Strong organization, attention to detail, and ability to prioritize tasks</li><li style="margin-bottom:11px">Comfort working independently and exercising sound judgment</li><li style="margin-bottom:11px">Proficiency with Microsoft Office and general office systems (experience with RecTrac or similar systems is a plus)</li><li style="margin-bottom:11px">Ability to handle confidential financial and personnel information with discretion</li><li style="margin-bottom:11px">Flexibility to work varied hours as needed</li><li style="margin-bottom:11px">Valid Vermont driver’s license with a good driving record</li></ul>Minimum Qualifications<ul style="margin-bottom:11px"><li style="margin-bottom:11px">High school diploma or equivalent</li><li style="margin-bottom:11px">Coursework or experience in office procedures and customer service</li></ul>We also welcome candidates with equivalent combinations of education and experience. Preferred Qualifications<ul style="margin-bottom:11px"><li style="margin-bottom:11px">Experience in municipal government, parks and recreation, or a related field</li><li style="margin-bottom:11px">Two years of experience in administrative support, recreation programming, or a similar role</li></ul>Additional Requirements<ul style="margin-bottom:11px"><li style="margin-bottom:11px">American Red Cross First Aid and CPR certification (or ability to obtain)</li></ul>Why Join EJRP? Be part of a team that supports community wellness, connection, and recreation for all ages. This role offers the opportunity to make a direct impact on residents’ experiences while working in a collaborative and community-focused environment. The City of Essex Junction is an equal opportunity employer. Employment decisions are made without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other status protected by applicable federal or state law. The City is committed to administering all employment practices in accordance with these laws.Powered by JazzHR

City of Essex Junction

Customer Service Specialist

Administrative Skills

Business Support

CPR Certification

Community Support

Customer Relations

Detail Oriented

Disability Insurance

Establish Priorities

Facilities Management

First Aid

Government

Life Insurance

Microsoft Office

Online Help

Organizational Skills

Parks & Recreation

Record Keeping

Records Management

Recreation

Resolve Customer Issues

Schedule Development

Software Administration

Student Loans

Student Services

Transaction Processing/Management

partner JazzHR

1) Partner with direct Manager to lead the performance management in the Branch to ensure optimum operating efficiency by: Making routine employment decisions, including reviewing performance, assigning work, providing training, guiding, and advising staff as necessary. We are committed to recruiting and retaining a diverse talent pool, increasing team member engagement through professional development and community outreach activities, and offering personal growth workshops and team-building opportunities.

Apply Description Assumes responsibility for the efficient and profitable operation of a branch and its employees. Assumes the role of Branch Manager or Branch Operations Manager as needed. Provides a variety of customer services. Makes and services a variety of consumer loans.Must be able to effectively communicate and work with their staff in order to increase branch performance. Must be able to make sure that the staff are aware of the branch objectives and performance standards, as well as the staff's individual performance to promote success within the branch. Mustalso work to train and coach newly hired and long-term employees to make sure everyone can perform at an exceptional level. Essential Functions1) Partner with direct Manager to lead the performance management in the Branch to ensure optimum operating efficiency by: <ul><li>Making routine employment decisions, including reviewing performance, assigning work, </li><li>providing training, guiding, and advising staff as necessary. </li><li>Resolving routine personnel problems. Continually working to foster and maintain team </li><li>environment with Relationship Bankers. </li><li>Assist with career development planning and engage in coaching conversations. </li></ul>2) Performs Banking Procedures <ul><li>Must be very knowledgeable about the banking industry and able to perform various Relationship Banker's duties. </li><li>Must be aware of banking regulatory matters and proper operational procedures in order to keep the branch running successfully and within bank best practices. </li></ul>3) Assists with responsibility for efficient management of Branch operations by: <ul><li>Interpreting and explaining bank policies, programs, and objectives, ensuring that approved operating policies and procedures are implemented and maintained. </li><li>Continually evaluating operating methods and procedures, making recommendations for improvements, and implementing approved changes. </li><li>Provides customers with information and assistance, responding to a variety of customer questions or complaints. </li><li>Provides signature guarantees and notary services; approves wire transfers and overdrafts within authority. </li><li>Ensures that the branch balances daily; maintains proper control of the vault and the teller drawer cash, as well as ordering of coin and currency. </li><li>Participates in, and may lead, regular staff meetings </li></ul>4) Creates an environment of exceptional customer service centered around the High-5 Standards <ul><li>Demonstrates an enthusiastic, positive attitude </li><li>Communicates well when interacting with customers (internally and externally) </li><li>Initiates conversations with customers to better understand the customer and their needs </li><li>Seeks options for customers' situations </li><li>Makes reasonable decisions based on customer needs and relationships </li></ul>5) Foster a culture of open communication and mutual respect and trust by implementing the 5 A's: <ul><li>Attitude, Acknowledgement, Acceptance, Action, and Achievement. </li><li>Lead by example and demonstrate to Relationship Bankers how to take ownership of issues and engage with other team members. </li></ul>6) Makes and services a variety of loans by: <ul><li>Interviewing customers and compiling necessary information to determine customers'requirements and the best type of loan to satisfy their needs </li><li>Ensuring that all necessary personal and financial data is obtained and properly analyzed </li><li>Providing ongoing service to loan customers and taking appropriate action to resolve any problems that might arise </li><li>Assisting the Collection department with recouping delinquent accounts </li><li>Responsible for accurately completing loan documentation </li></ul>7) Participates in civic and community organizations 8) Assists the Branch or Area Manager in all other phases of branch operations 9) Assumes full responsibility of managing the branch in the absence of the manager 10) Attends education programs made available by the bank. Nonessential Functions <ul><li>Performs additional duties as requested </li></ul>Mascoma Bank is an Affirmative Action and Equal Opportunity Employer, M/F/D/V.Requirements What You'll Need<ul><li>Associate degree or equivalent in work experience </li><li>Three plus (3+) years of branch experience </li><li>Participation in or plans to participate in EBML </li><li>One (1) to two (2) years of managerial experience or demonstrated leadership ability </li><li>Strong interpersonal communication skills </li><li>Full knowledge of branch daily operations </li><li>Ability to use and working knowledge of computers/strong keyboarding skills </li><li>Must maintain confidentiality and privacy </li><li>Professional appearance; grooming and dress consistent with MB appearance policy </li><li>Travel to other Mascoma Bank locations is required for training and occasional meetings </li></ul>Physical Demands/Working Conditions <ul><li>Must be able to lift or transport up to 25 pounds on their own or 50 pounds with another person </li><li>Varied work with a normal expenditure of energy and little or no unusual physical effort </li><li> May involve incidental business machine operations </li><li>Work involves intermittent periods of stationary positioning and traversing </li><li>Working conditions include well-lit and well-ventilated areas </li></ul>Core CompetenciesDrives Performance - Having a growth mindset to address employee issues; identifying problems early to help team members get on track; acting decisively to prevent disruption to the team. Drives Engagement - Creating a climate where people are motivated to do their best to help the organization achieve its objectives. Develops Talent - Developing people to meet both their career goals and the organization's goals. Empowered - Having the knowledge, confidence, means, and ability to act or make decisions for oneself. Interpersonal Skills - Relating openly and comfortably with diverse groups of people. Business Insight - Applying knowledge of banking and the marketplace to advance the organization's goals. Connections Work to Our Customers - Understanding how work impacts our external customer and consistently making data-driven decisions, avoiding assumptions about customer needs. Customer Experience - Building strong relationships and delivering customer-centric solutions. Instills Trust - Gaining the confidence and trust of others through honesty, integrity, and authenticity. Collaborates - Building partnerships and working collaboratively with others to meet shared objectives; understanding how interactions with colleagues ultimately impact the customer. Improves Continuously - Demonstrates an ability to adapt and commit to new ways of doing things with a continuous improvement mindset. Decision Quality - Making data-driven decisions; striving for balance between risk and reward to seize opportunities that keep the organization moving forward. Action Oriented - Acting on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm. Situational Adaptability - Adapting one's approach and demeanor in real time to match the shifting demands of varying situations. Why Mascoma Bank?<ul><li>Strong culture of belonging with a team that values creativity, new perspectives, and innovation. </li><li>Community first minded. We care about our employees and the communities we serve. </li><li>Competitive compensation. </li><li>Career development and internal career mentorship. </li><li>Comprehensive health care, dental care, and vision. </li><li>401(K) Program: 4% safe harbor employer match on top of 5% non-elective contributions following one year of service. </li><li>Generous PTO starting at 22 days per year, not including 11 paid holidays and 16 hrs. of Volunteer Time Off. </li><li>Tuition Reimbursement. </li><li>Student Loan Paydown and so much more! </li></ul>Background and Credit Check As part of our commitment to maintaining a secure financial institution, all final candidates will be required to successfully complete background and credit screenings as part of the hiring process. These screenings will be conducted in accordance with applicable laws and industry regulations. Please note: Having a record on a background or credit report does not automatically disqualify you. We evaluate results on a case-by-case basis, considering their relevance to the role and any regulatory requirements. Our Commitment to Belonging! The communities served by Mascoma Bank consist of individuals from diverse backgrounds. Our employees likewise bring unique perspectives, experiences, and approaches to the bank. We strive to create a safe and welcoming environment for all who pass through our doors and a workplace that actively demonstrates mutual respect and trust, one of our core values. A truly inclusive culture leads to a sense of belonging and support for all team members and inspires innovation and creativity. We are committed to recruiting and retaining a diverse talent pool, increasing team member engagement through professional development and community outreach activities, and offering personal growth workshops and team-building opportunities. By embracing diversity, equity, and inclusion, we strengthen our communities and ourselves. Mascoma Bank is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, ethnicity, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, veteran status, status as an individual with a disability, or other applicable legally protected characteristics. To request reasonable accommodations, please contact careers@mascomabank.com. Mascoma Bank is an Affirmative Action and Equal Opportunity Employer, M/F/D/V.Salary Description $23.79-30.81/Hour

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Mortgage Loan Consultant Community Financial System, Inc.

Customer Service Specialist City of Essex Junction

Assistant Branch Manager Mascoma Bank

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