Why Work at Cayuga Lake National Bank?
At Cayuga Lake National Bank, you'll enjoy more than just a job - you'll build a rewarding career with an organization that values our employees and the communities we serve.
We offer:
- Meaningful Work - Help local businesses grow and contribute to the economic strength of the communities we proudly serve.
- Supportive Team Environment - Work alongside experienced professionals who value collaboration, respect, and shared success.
- Professional Growth - We invest in our employees through training, continuing education, and career development opportunities.
- Work-Life Balance - Enjoy a predictable Monday through Friday schedule (some Saturday mornings required), generous paid time off, and a comprehensive benefits package.
- Community Commitment - Join a locally focused community bank where decisions are made close to home and relationships matter.
We are a community minded, supportive and engaging employer.
Every employee of the bank is held to a high professional standard and committed to the mission of our community bank.
CURRENT EMPLOYMENT OPPORTUNITIES
Commercial Credit and Portfolio Officer
We are seeking an experienced, analytical, and collaborative Commercial Credit and Portfolio Officer to join our Commercial Lending team. This position plays a vital role in maintaining the quality of the Bank's commercial loan portfolio through financial analysis, portfolio management, and credit administration. The successful candidate will also provide leadership and day-to-day supervision of the Credit Analyst and Commercial Loan Processor while fostering teamwork across the Bank. If you're looking for an opportunity where your expertise will make a meaningful impact on local businesses and the communities we serve, we'd love to hear from you.
What You’ll Do
Portfolio Management & Credit Analysis
- Perform financial spreading and underwriting support for commercial loan requests.
- Analyze financial statements, tax returns, and other financial information for new and existing commercial loan relationships.
- Complete annual credit reviews for assigned commercial borrowers.
- Monitor credit quality, risk ratings, and the overall health of the commercial loan portfolio.
- Ensure borrower compliance with loan covenants and requirements.
- Obtain updated financial statements and supporting documentation from borrowers.
- Prepare credit presentations and reports for Commercial Loan Officers, Loan Committee, and Board of Directors.
- Assist in monitoring the overall quality and performance of the Bank's commercial loan portfolio.
- Work with internal and external auditors to ensure safety and soundness.
Credit Administration
- Review commercial loans to ensure compliance with Bank lending policies and established credit standards.
- Conduct systematic reviews of commercial loan documentation for completeness and accuracy.
- Perform scheduled reviews of higher-risk loan relationships and recommend appropriate action.
- Analyze collateral and perform occasional collateral inspections to verify value and condition.
- Monitor classified loan relationships and develop action plans, including obtaining updated financial information and documentation from borrowers.
Leadership
- Supervise and provide day-to-day guidance, coaching, training, and support to the Credit Analyst and Commercial Loan Processor.
- Assist Commercial Loan Processor to enter loans in the system.
- Review work for accuracy, consistency, and compliance while promoting efficient workflow and professional development.
- Foster a collaborative, respectful, and positive work environment within the Commercial Lending team.
- Build and maintain positive working relationships among all members of the Lending team and promote effective communication and teamwork across all Bank departments.
- Partner with Loan Officers, Credit Administration, Operations, Compliance, and other departments to ensure exceptional customer service, operational efficiency, and sound credit administration.
- Lead by example by demonstrating professionalism, accountability, integrity, and a commitment to the Bank's mission and values.
- Bachelor's degree in Finance, Accounting, Business, or a related field.
- Strong analytical and critical thinking skills.
- 5-7 years of proven ability to analyze financial statements, business tax returns, and commercial credit relationships.
- Excellent organizational, communication, and time management skills.
- High level of professionalism, integrity, and confidentiality.
- Strong attention to detail with the ability to manage multiple priorities and meet deadlines.
- Proficiency with Microsoft Office and the ability to learn additional software applications.
- 5-7 years previous commercial credit analysis or commercial lending experience preferred.
- 3-5 years prior supervisory or leadership experience.
- Community Bank Credit Analyst Certification is preferred.
- Paid Time Off (PTO)
- Sick Time
- Health Insurance
- Dental Insurance
- Life Insurance
- 401(k) & company match
- Flexible Spending Account or Health Savings Account
- Continuing Education and Tuition Assistance
- Paid Federal Holidays
- Reduced Rates on Loans
Business Development Universal Lender (Consumer Loan Originator)
Grow relationships. Drive results. Make an impact in your community. Are you a relationship-driven professional who thrives on connecting with people and helping them achieve their financial goals? Do you enjoy a mix of sales, customer service and community engagement? If so we want to talk with you. We're looking for a Business Development Universal Lender to join our team - someone who can combine lending expertise with a passion for building strong customer relationships and growing business in the local market.
What You’ll Do
Lending & Customer Experience
- Meet with customers to understand their needs and recommend the right loan solutions
- Originate a variety of consumer loans (home equity, auto, RV, personal, and more)
- Guide customers through the entire loan process—from application to closing
- Coordinate with underwriting and processing teams to ensure a smooth experience
- Deliver exceptional, personalized service that builds long-term loyalty
Business Development & Sales
- Proactively identify opportunities to grow loans, deposits, and relationships
- Build and maintain referral networks with realtors, auto dealers, RV dealers, and local businesses
- Conduct outreach calls and follow-ups with prospects and existing customers
- Represent the bank in the community through events and networking opportunities
- Consistently meet or exceed individual and team performance goals
Relationship Management
- Stay connected with customers after closing to ensure satisfaction and uncover future needs
- Promote a full range of banking products and services
- Maintain accurate records and ensure compliance with all regulations
What You Bring
- Strong sales and relationship-building skills with a customer-first mindset
- Experience in consumer lending and loan origination
- Ability to manage multiple priorities and a pipeline of loans
- Excellent communication and organizational skills
- Self-motivation and a drive to achieve results
- Commitment to integrity and community-focused banking
Qualifications
- High school diploma or GED required
- 3-5 years of consumer lending experience preferred
- Proven success in sales and customer relationship development
- NMLS registration required
- Valid driver's license (for community/business development activities)
Compensation: $23 - $26 per hour, commensurate with experience.
Benefits
- Paid Time Off (PTO)
- Sick Time
- Health Insurance
- Dental Insurance
- Life Insurance
- 401(k) & company match
- Flexible Spending Account or Health Savings Account
- Continuing Education and Tuition Assistance
- Paid Federal Holidays
- Reduced Rates on Loans
Consumer Loan Underwriter & Compliance Officer
Join a Community-Focused Financial Institution Where Your Expertise Makes an Impact
Cayuga Lake National Bank is seeking a detail-oriented and experienced Consumer Loan Underwriter & Compliance Officer to join our growing lending team. This is an exciting opportunity for a lending professional who enjoys balancing analytical underwriting with regulatory expertise while contributing to a collaborative, customer-focused environment.
In this role, you’ll play a key part in evaluating consumer loan applications, supporting secondary market initiatives, and ensuring compliance with federal and state lending regulations. If you thrive in a fast-paced financial environment and value teamwork, integrity, and professional growth, we’d love to hear from you.
What You’ll Do
Consumer Loan Underwriting
- Analyze and underwrite a variety of consumer loan products including:
- Real estate loans
- Personal loans
- Auto loans
- Credit cards
- Secured and unsecured lending products
- Evaluate income, assets, credit history, debt-to-income ratios, and collateral documentation
- Make timely lending decisions in accordance with established credit policies and risk standards
- Ensure loan documentation is accurate, complete, and compliant
Compliance & Risk Management
- Monitor and ensure compliance with consumer lending regulations, including:
- TILA / Regulation Z
- ECOA / Regulation B
- FCRA
- Fair Lending laws
- Applicable state regulations
- Review loan files and lending processes for compliance accuracy and quality control
- Identify and resolve deficiencies or compliance exceptions
- Support audits, risk assessments, and internal compliance initiatives
Secondary Market & Operational Support
- Prepare and qualify loans for secondary market eligibility
- Stay informed on changing regulatory requirements, lending trends, and market conditions
- Provide guidance and support to lending staff and management
- Assist with policy development, training, and process improvements
- Participate in community and branch activities that support the Bank’s local presence
What We’re Looking For
Qualifications
- High school diploma or GED required
- Associate degree in Business, Finance, or related field preferred
- 3–5 years of experience in consumer loan underwriting and/or lending compliance
- Strong understanding of consumer lending regulations and underwriting principles
- Experience within a bank, credit union, fintech lender, or similar financial institution preferred
Skills & Abilities
- Familiarity with loan origination systems such as MeridianLink Mortgage or similar platforms
- Strong analytical and problem-solving abilities
- Excellent attention to detail and organizational skills
- Ability to manage multiple deadlines and priorities effectively
- Professional communication and customer service skills
- Ability to work both independently and collaboratively in a team environment
Compensation: $60,000 - 75,000 annually, commensurate with experience.
Benefits:
- Paid Time Off (PTO)
- Sick Time
- Health Insurance
- Dental Insurance
- Life Insurance
- 401(k) & company match
- Flexible Spending Account or Health Savings Account
- Continuing Education and Tuition Assistance
- Paid Federal Holidays
- Reduced Rates on Loans
If you’re ready to bring your lending and compliance expertise to a dynamic and respected financial institution, we encourage you to apply today.
