Job Description

Job Description

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

This position serves as a vital operational and administrative liaison within the Commercial Banking division. The role is responsible for ensuring the accurate, timely, and compliant execution of all phases of the commercial loan documentation and closing process. The Specialist partners closely with Commercial Bankers, Loan Operations, Legal Counsel, and external stakeholders to drive exceptional client service, mitigate risk, and uphold operational efficiency.

Essential Responsibilities:

• Act as a lead coordinator for commercial loan closings by preparing, reviewing, and validating closing documentation packages to ensure all compliance and policy requirements are satisfied.
• Serve as a documentation liaison between Commercial Banking Officers and Loan Operations, ensuring seamless post-closing follow-up and resolution of outstanding conditions or documentation gaps.
• Develop internal and external communications including board-level memoranda, legal correspondence, and customer-facing letters.
• Maintain sensitive financial records and client files in compliance with data governance and bank confidentiality standards using enterprise document management systems.
• Analyze, prepare, and distribute complex reports for executive review, including materials for internal audit and Board of Director review.
• Support commercial customers with high-touch service regarding loan inquiries, transaction execution, and account maintenance.
• Manage ledger entries and ensure accurate processing of commercial loan transactions, including payments, deposits, and internal transfers.
• Provide operational support to department leadership through special projects, process enhancements, meeting coordination, and strategic initiatives.
• Other department duties include research, organizing meetings, making reservations and special projects as needed

• 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

Strategic Value:

This position directly supports revenue-generating loan activity and plays a critical role in safeguarding the bank’s legal and regulatory posture. By ensuring timely execution and document integrity, the Commercial Lending & Administrative Specialist helps reduce risk exposure, improve client satisfaction, and support strategic banking objectives.

• Emphasize Specialized Skills: Highlight expertise in commercial loan documentation, regulatory compliance, and coordination with legal and financial professionals.
• Underscore Strategic Responsibilities: Detail involvement in risk mitigation, process optimization, and contributions to revenue-generating activities.
• Demonstrate Cross-Functional Collaboration: Showcase experience working across departments, such as lending, legal, and operations, to facilitate complex transactions.

Ancillary Duties:

As an integral member of the Commercial Banking Department, this position is also responsible to provide assistance wherever necessary to help the Department and the Bank in achieving their annual goals. This position is also expected to maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, as well as ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in an accordance with government compliance timely fashion.

Qualifications

Education, Training and Requirements:

• Associate’s degree in Business, Finance, or a related field preferred. High school diploma required with a minimum of one (1) year of specialized post-secondary training or equivalent professional certification. All applicants must be 18 years of age or older.

Skills:

• Typing, PC proficiency (with Microsoft Office Products and loan documentation software); Strong written and oral communication skills, interpersonal skills, organizational skills. In depth Knowledge of commercial lending forms, documentation standards, regulatory requirements, and transactional workflows with attention to detail. Ability to interpret and apply commercial credit policies and internal procedures. Familiarity with legal administrative support or financial documentation review is a strong asset.

Experience:

• Minimum of two (2) years of experience supporting Commercial and/or Retail Lending Officers, Loan Operations, or legal professionals (e.g., paralegal or administrative legal assistant), preferably within a banking, finance, or legal services environment

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