Consumer Loan Underwriter & Compliance Officer

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