Assistant Manager, Consumer Lending

Canandaigua National Bank & Trust Co•Canandaigua, NY

About The Position

The Assistant Manager, Consumer Lending supports the Group Manager, Consumer Lending in the department’s day-to-day leadership and operations, working toward annual goals across Indirect and Direct Lending, Home Equity, and Mortgage Portfolio Lending. In partnership with the Group Manager, the role contributes to product development, pricing and delivery, credit and underwriting, credit policy, sales, relationship management, and regulatory compliance. The position also makes recommendations regarding pricing, products, and delivery for Indirect Lending, assesses loan requests, and helps manage the Mortgage Loan Portfolio. The ideal candidate understands consumer lending products, underwriting principles, credit risk assessment, and regulatory compliance. They demonstrate leadership in coaching and motivating employees, sound judgment in balancing customer service and risk, comfort navigating complex lending situations, and an ability to build effective partnerships across retail banking, operations, and other business lines. Canandaigua National Bank describes its WE CAN culture as serving wholeheartedly, acting with courage, leading authentically, empowering one another, and making a positive impact in the community. The bank emphasizes investment in employees, customers, and communities and an inclusive workplace. Compensation is listed at $150,000–$170,000; the actual offer depends on factors including experience, qualifications, skills, level, and performance expectations.

Requirements

Bachelor’s degree required.
Specialized consumer or commercial lending education and training.
Credit underwriting experience in consumer or commercial lending.
A minimum of five years of experience in related positions normally required.
Strong understanding of consumer lending products, underwriting principles, credit risk assessment, and regulatory compliance requirements.
Leadership experience, including the ability to coach, develop, and motivate employees.
Strong judgment and decision-making skills balancing customer service, portfolio quality, and risk management.
Ability to navigate complex lending situations and make timely decisions that support customer needs and organizational goals.
Ability to build strong partnerships across retail banking, operations, and other lines of business.
Proven experience in similar roles.

Nice To Haves

Banking operations education and training preferred.

Responsibilities

Assist the Group Manager, Consumer Lending with the day-to-day leadership and operation of the Consumer Lending department.
Help achieve annual goals for Indirect and Direct Lending, Home Equity, and Mortgage Portfolio Lending.
Participate with the Group Manager in product development, product pricing and delivery, credit and underwriting, credit policy, sales, relationship management, and regulatory compliance.
Make recommendations regarding pricing, products, and delivery for Indirect Lending.
Assess loan requests.
Help manage the Mortgage Loan Portfolio.
Coach, develop, and motivate employees to support individual and team metrics and goals.
Build partnerships across retail banking, operations, and other lines of business to deliver a seamless customer experience.