VICE PRESIDENT OF LENDING

The Vice President of Lending at Cayuga Lake National Bank (CLNB) is a senior leadership role responsible for overseeing all aspects of the bank’s lending functions, including commercial, consumer, and mortgage lending. This role is critical to ensuring the quality, growth, and profitability of the loan portfolio, while maintaining strong credit standards and regulatory compliance.
As a community-focused financial institution, CLNB seeks a VP of Lending who is not only a strategic thinker but also a visible leader in the local community, with a commitment to relationship banking and supporting the financial needs of local businesses and residents.

Job Responsibilities:

 

          •    Provide strategic leadership and day-to-day oversight of all lending operations, ensuring alignment with the bank’s goals, policies, and regulatory standards.
          •    Develop, implement, and monitor loan policies and procedures that ensure sound lending practices and mitigate credit risk.
          •    Lead, mentor, and support the lending team—including commercial lenders, mortgage originators, credit analysts, and loan operations staff.
          •    Grow and manage a high-quality loan portfolio that supports the bank’s mission and contributes to the community’s economic development.
          •    Evaluate and approve loans within designated authority; make recommendations to the loan committee or executive leadership on larger or more complex credits.
          •    Conduct regular reviews of the loan portfolio to identify trends, risks, and opportunities for improvement.  
          •    Partner with compliance and credit teams to ensure lending activities meet all regulatory requirements (e.g., FDIC, OCC, CFPB, state banking regulations).
          •    Cultivate and maintain strong relationships with local businesses, civic leaders, and community organizations to enhance the bank’s visibility and lending opportunities.
          •    Collaborate with the executive team to develop and execute strategic growth initiatives, including new loan products and services tailored to the bank’s market.
          •    Oversee or support preparation of board reports, loan reviews, audits, and regulatory exams.

 

Skills and Qualifications:

•  Strong understanding of credit underwriting, portfolio management, and loan servicing.
  •    Demonstrated leadership skills with experience managing lending teams.
  •    In-depth knowledge of banking regulations and compliance related to lending.
  •    Strong interpersonal and communication skills, with the ability to engage clients, staff, and community stakeholders effectively.
  •    Proven ability to analyze complex financial information and make sound credit decisions.

Education, Experience, and Licensing Requirements:

•  Bachelor’s degree in Business, Finance, Economics, or a related field (MBA or graduate banking school a plus).
  •    Minimum 7–10 years of progressive experience in commercial and consumer lending, preferably within a community bank setting. 

Benefits:

• Health and dental insurance
• PTO and sick time
• 401K
• Tuition reimbursement
• Paid Federal holidays off
• Life Insurance
• Continuing education and tuition assistance
• Reduced rates on loans

Schedule:

• Full-time Monday through Friday 8am – 5pm. Some Saturday’s 9am – noon required.

Salary:

• $125,000 - $175,000 per year commensurate with experience

UNIVERSAL BANKER

We’re looking for an engaging, friendly person who genuinely loves helping people and making a positive impact every day as a Universal Banker in our Union Springs office. A Universal Banker completes a wide range of tasks. Processing a variety of financial transactions including check cashing, withdrawals, deposits, loan payments and opening accounts. Personal service and dependable guidance is a must. 

Job Responsibilities:

 

• Receiving deposits and loan payments, cashing checks, issuing savings withdrawals and recording night and mail deposits.
• Sells cashier’s checks.
• Answers questions in person or on telephone and refers customers to other bank services as necessary.
• Open new bank accounts (checking, savings, IRAs and CDs) according to regulations and procedures.
• Provide exceptional customer service to customers in a friendly and courteous manner at all times.
• Have sufficient knowledge about the banking products and services and respond to all inquiries accordingly.
• Ensure that all the bank’s policies and procedures, code of conduct and regulatory guidelines are strictly complied with in the process of discharging duties.
• Provide information to customers on their account status and account balances.
• Provide assistance to all other members of staff in other departments of the bank by liaising with them through healthy interactions.
• Establish and promote cordial relationship with customers, ensuring prompt attendance to their inquiries and solving their problems to grant them maximum satisfaction.
• Ensure that customers’ confidential information is properly protected and only used for official purposes.

• Understand the bank’s policies and propose solutions to customer problems, and also possess in-depth knowledge of the company’s products/services so that the customers can be correctly informed.
• As the first line of contact customers have with the bank, Universal Banker IIs are expected to be courteous, friendly, helpful and neatly dressed at all times.
• All other duties as assigned.

 

Skills and Qualifications:

• Effective listening skills demonstrated by the ability to listen to other people talk without interruptions, understand them and then propose solutions or make contributions based on the points made.
• Strong communication skills.
• Must possess excellent multi-tasking skills and be able to function under pressure.
• Ability to use the computer efficiently and also learn how to use new software.
• Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times.
• Must have a keen eye for detail and follow instructions to the letter.

 

Education, Experience, and Licensing Requirements:

• The minimum educational requirement is a high school diploma or GED.
• One year prior experience in customer service preferred.

Benefits:

• Health and dental insurance
• PTO and sick time
• 401K
• Tuition reimbursement
• Paid Federal holidays off
• Life Insurance
• Continuing education and tuition assistance
• Reduced rates on loans

Schedule:

• Full-time Monday through Friday 8am – 5pm. Some Saturday’s 9am – noon required.

Salary:

• $18 – 20 per hour, commensurate with experience