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CLNB Careers

Cayuga Lake National Bank is growing! Come grow with us.  We were established in 1864 and continue to operate as a small-independent community bank.  Our two locations are on the eastern shore of Cayuga Lake, Union Springs, NY and Aurora, NY. The success of our 156 years of service is attributed to dedicated employees providing excellent customer service to our community. 

Every employee of the bank is held to a high professional standard and committed to the mission of our community bank. 

Commercial Loan Officer 

Job Description
We are looking for a loan officer to evaluate, authorize approval or deny loan applications for people or for business. You will act as liaison between customers and our financial institution and you will help qualified applicants acquire loans in a timely manner.

Responsibilities

  • Evaluate credit worthiness by processing loan applications and documentation within specified limits
  • Interview applicants to determine financial eligibility and feasibility of granting loans
  • Determine all applicable ratios and metrics and set up debt payment plans
  • Communicate with clients either to request or to provide information
  • Justify decisions (approvals/rejections) and report on them
  • Complete loan contracts and counsel clients on policies and restrictions
  • Update job knowledge on types of loans and other financial services
  • Maintain and update account records
  • Assess customer needs, explore all options and introduce different types of loans
  • Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
  • Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
  • Operate in compliance with laws and regulations and adhere to lending compliance guidelines

 

Skills
Proven working experience as a loan officer

  • Familiarity with computers and banking applications/software
  • Solid understanding of direct/indirect lending products and practices
  • Excellent communication and interpersonal skills
  • Customer satisfaction orientation and sales competencies
  • Ability to work in a goal oriented environment


Job Type: Full-time

Salary: Commensurate with experience.

 

Credit Analyst 

Job Description
We are looking for a professional Credit analyst to determine our customers’ creditworthiness. You will analyze financial data to assess the likelihood of a borrower honoring their financial obligations.

Responsibilities

  • Assess creditworthiness of existing or prospective clients
  • Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents, etc.)
  • Complete ratio, trend and cash flows analyses and create projections
  • Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner
  • Determine in depth the degree of risk involved
  • Carefully analyze data and produce clear and objective reports
  • Routinely monitor loans for compliance
  • Adhere to credit policy and guidelines
  • Monitor corporate portfolio asset quality on an ongoing basis
  • Draft models of credit information that predict trends and patterns

 

Skills

  • Proven working experience as a credit analyst
  • Proficiency in statistical packages and financial software
  • Up to date with legal, compliance and market risk related issues
  • Ability to analyze cash flows, leverage, collateral and customer strength
  • Strong communication and presentation skills
  • Sound judgment


Job Type: Full-time

Salary: Commensurate with experience



Cayuga Lake National Bank is a EOE AN EQUAL OPPORTUNITY EMPLOYER EO/AA EMPLOYER: TITLE VII/ PROTECTED VETERANS/ DISABILITY STATUS.
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