Consumer Loan Underwriter & Compliance Officer
2 days ago
Union Springs
Job DescriptionDescription: 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 presenceRequirements: 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: $60000-$75000 per year 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