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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 Remarketing Specialist is responsible for proactively remarketing existing personal insurance accounts to improve retention, pricing, coverage alignment, and overall client satisfaction. This role partners closely with Producers, Account Managers, and carriers to evaluate renewal alternatives, secure competitive terms, and present recommended options to clients. The position requires strong knowledge of Florida personal insurance products, carrier appetites, underwriting guidelines, and state‑specific regulatory requirements.

• Proactively review upcoming personal lines renewals to identify remarketing opportunities due to pricing increases, coverage gaps, underwriting changes, or client requests
• Solicit, analyze, and compare quotes from multiple personal lines carriers, ensuring competitive pricing and appropriate coverage
• Evaluate carrier proposals for compliance with Florida insurance regulations, underwriting guidelines, and internal quality standards
• Collaborate with Producers and Account Managers to develop and recommend optimal renewal or replacement strategies
• Prepare clear, client‑ready coverage comparisons, proposals, and summaries highlighting key coverage differences, limits, deductibles, and exclusions
• Communicate effectively with insurance carriers regarding underwriting questions, revisions, binds, and policy issuance
• Ensure timely completion of remarketing activities to meet renewal deadlines and service level expectations
• Maintain accurate documentation within agency management systems, ensuring all remarketing activity is properly recorded
• Support retention initiatives by identifying patterns related to pricing, carriers, or coverage structures and sharing insights with leadership
• Adhere to all agency procedures, compliance requirements, and ethical standards related to personal insurance transactions
• 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

Education, Training, Experience, and Skill Requirements:

• High school diploma or equivalent required
• Associate’s or Bachelor’s degree in Business, Insurance, Finance, or a related field preferred
• Minimum of 2–4 years of experience in personal lines insurance, including quoting, underwriting support, or account management
• Prior experience working with multiple personal lines carriers and remarketing renewals strongly preferred
• Demonstrated understanding of Florida personal insurance products, including homeowners, auto, flood, umbrella, and related lines
• All applicants must be 18 years of age or older

• Active Florida 4‑40 Customer Representative License required or
• Active Florida 2‑20 General Lines License preferred (or ability to obtain within a defined time period, if applicable)
• Ability to meet all continuing education requirements as mandated by the Florida Department of Financial Services
• Additional professional designations (e.g., ACSR, CIC, CRM) are a plus but not required

Compensation: Commensurate with experience plus potential for annual merit increase. 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!

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.

USD $62,400.00/Yr.

USD $88,000.00/Yr.