^{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. We offer a competitive rate and an excellent benefit package.}

^{What You’ll Do}

• ^{As a key member of our lending team, you‘ll be the go-to expert for consumer lending – guiding customers from first conversation through closing, while actively building new relationships in the community.}

^{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}

^{Why Join Us?}

• ^{Be part of a community-focused bank where your work makes a real impact}
• ^{Enjoy a role that blends sales, service, and community involvement}
• ^{Work in a collaborative, supportive environment}
• ^{Opportunity to grow your career while helping customers reach their goals}

^{Compensation: $23 - $26 per hour}

 

^Benefits:

• ^{Paid Time Off (PTO)}
• ^{Sick time}
• ^{Health insurance}
• ^{Dental insurance}
• ^{Life insurance}
• ^401(K)
• ^{401(K) match}
• ^{Flexible Spending Account or Health Savings Account}
• ^{Continuing education and tuition assistance}
• ^{Federal Holidays}
• ^{Reduced rates on loans}

 

^{Ready to Make an Impact?}

^{If you’re energized by building relationships, driving results, and being visible in the community, we’d love to hear from you.}

^{Apply today and help us grow together!}

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

Why Join Us?

• Collaborative and supportive workplace culture
• Opportunity to make a meaningful impact within the organization
• Diverse and engaging responsibilities
• Professional growth and development opportunities
• Community-focused environment that values relationships and service

Compensation:  $60-75K

Benefits:

• Paid Time Off (PTO)
• Health insurance
• Dental insurance
• Life insurance
• LTD
• 401(k)
• 401(k) match
• Flexible Spending Account or Health Savings Account
• Continuing education and tuition assistance. 
• 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.