Consumer Loan Underwriter & Compliance Officer at Cayuga Lake National Bank

Town of Springport, New York, United States -

Full Time

Start Date

Immediate

Expiry Date

17 Aug, 26

Salary

0.0

Posted On

19 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Consumer Loan Underwriting, Lending Compliance, Risk Management, Financial Analysis, TILA Regulation Z, ECOA Regulation B, FCRA, Fair Lending Laws, Secondary Market Eligibility, Loan Origination Systems, MeridianLink Mortgage, Credit Policy Analysis, Debt-to-Income Ratio Evaluation, Collateral Documentation, Quality Control, Professional Communication

Industry

Description

Description 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 Requirements 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

Responsibilities

Analyze and underwrite various consumer loan products while ensuring strict adherence to federal and state lending regulations. Support secondary market initiatives and conduct compliance reviews to identify and resolve deficiencies.