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At the heart of our success is a team of passionate, skilled, and dedicated individuals. We're on the lookout for people who thrive on delivering exceptional customer service and building lasting client relationships. Our culture is built to attract top talent, celebrate performance, and fuel professional growth.

As a proud community bank, we believe in giving back to the neighborhoods we serve. Supporting local events and organizations across our 14-county footprint isn't just something we do-it's who we are. It's our way of saying thank you to the people who make this region an incredible place to live, work, and grow.

Interested in making a difference while building a rewarding career?

We invite you to review the job description below and apply today. We look forward to learning more about you.

Together, we build something amazing-and we support you with benefits such as:

401k 6% Match

Medical, dental vision insurance

Tuition Reimbursement

11 paid holidays per year

Employee Assistance Program

...and more!

Job Tittle: Real Estate Lending Associate

Responsible for performing a variety of duties to support the loan servicing function in order to ensure the efficient and accurate servicing of mortgage loan accounts.

Maintains all paper and electronic files by accurately processing all loan origination components and documentation; Disburses all online applications; Manages conditions and handles as appropriate.

Process payments for application and appraisal fees.

Prepare new loan documentation, including the Loan Estimate, received at origination to ensure accuracy and compliance; Identify origination errors for tracking; Distribute required disclosures to clients.

Gathers, analyzes, and verifies all documentation required to properly support the loan request; Compares verifications against original loan application for consistency and contacts clients to obtain additional information as needed.

Updates loan origination system as information is gathered and verified; prepares revised documentation as changes are made to the loan.

Analyzes credit reports and income, calculates ratios, and verifies assets to determine continuation or declination of application.

Addresses all inconsistencies with loan officer and client, if appropriate; Consults with proper sources to resolve questions.

Tracks files for follow-up on commitment, deadlines, conditions to be cleared, etc.

Develops and maintains relationships with appraisers and monitors turnaround time of appraisals; Orders appraisals; Reviews appraisals; Requests revisions as necessary and inputs into the loan origination system.

Prepares a variety of letters and other correspondence; Distributes required disclosures to clients.

Applies knowledge of portfolio and investor underwriting policies and procedures to ensure that consistent standards have been applied to all loans.

Ensures that all regulations have been adhered to prior to and during the processing and closing process.

Prepares appropriate documentation for investors and prepares rate sheets.

Prepares mortgage commitment letters incorporating the terms and conditions as determined by the underwriter; Forwards appropriate documents to the settlement agent and follows-up to ensure deadlines are met on commitment expirations, rate locks, and closing dates.

Reviews legal documents prior to closing as follows: Verifies that conditions to close have been met and confers with attorneys as necessary; Acts as intermediary for title problems, boundary line issues, or other legal issues that surface; Informs management of pending situations that may halt or stall closing.

When the file is clear to close, prepares preliminary Closing Disclosures and distributes to client; Notifies attorney that the loan is clear to close; Schedules loan closings and gathers appropriate paperwork from settlement agent to prepare all closing documentation; Prepares all closing documents and reviews for accuracy; Orders title work to be done.

Computes initial aggregate escrow.

Process all closing documents received from settlement agent after closing; Disburse fees; Conduct a post-closing loan review; Prepares post-closing documentation as required for secondary market investors.

Oversees the disbursements of loan proceeds; prepares loan data for accurate upload to the core.

Requests appraisal inspections and title updates on construction loans; Receives invoices for work completed or materials purchased and issues checks or transfers mortgage funds for construction mortgages or home improvements for which funds are held in escrow; Prepares construction loan to go final.

Assists in making decisions on problem contracts and with other personnel with problems that arise as warranted.

Maintains activity logs and compiles information as directed to generate and prepare monthly reports; Provides monthly data to outside originators.

Conforms to General Performance Expectations as identified for all employees

Qualifications/Requirements

Associates degree in business preferred, Specialized lending education and training preferred

Minimum of 5 years experience in related position with a minimum of 2 years in Mortgage processing normally required; Lending experience preferred

Proficient interpersonal skills in dealing with clients and all levels of management

Demonstrated proficiency in Microsoft Word and Excel

Salary Range $17 to $26.50 Hourly

Compensation offers are based on a wide range of factors including relevant skills, training, experience, education and, where applicable, licenses or certifications obtained. Market and organizational factors are also considered. Along with a competitive compensation program please visit the benefits section of our Careers page to view available benefits.

Chemung Canal Trust Company/Capital Bank/Canal Bank fosters a diverse and inclusive culture where employees are able to succeed to their full potential. EEO/AA Including Veterans and Disabled.

Chemung Canal Trust Company

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