Consumer Loan Underwriter II

Canandaigua National Bank & Trust Co • Canandaigua, NY

2d • $66,000 - $79,000

About The Position

At CNB, a Consumer Loan Underwriter is responsible for performing a variety of duties relating to the underwriting of direct, indirect, or additional product offerings, while mitigating the risk of lending decisions. This position is also responsible for assisting in confidently and competently achieving service goals as established in Bank’s annual operating plan; complying with operating policies and procedures established for the Consumer Lending function; communicating with appropriate personnel; responding to inquiries or requests for information; and maintaining appropriate records and providing assigned reports, as required.

Requirements

• An Associate degree or equivalent experience in Business, Accounting, or related field
• Three (3) to seven (7) years’ experience in a related position.
• Excellent communication skills and strong attention to detail.
• Proficiency with a PC and associated programs (such as Microsoft Office)

Responsibilities

• Approve or decline consumer loan applications based on board approved lending limits and score cutoffs.
• Presents applications for approval to Senior Management if recommendation exceeds approved limits.
• Maintain an accurate awareness of the credit quality of the portfolio and the inherent credit risk.
• Provide customer service to dealers, internal, and external customers.
• Provides counseling as appropriate.
• Handle calls from automobile dealership personnel and community office staff regarding loan status, approvals, payoffs, etc.

Benefits

• Medical, dental, vision, FSA, HSA options for both part-time and full-time employees. Medical coverage is also offered for domestic partners.
• Paid holidays, vacation, and sick time.
• Retirement benefits that include a 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP).
• Training & development opportunities.
• Tuition assistance.
• Community focused volunteer opportunities.
• Award winning wellness program that promotes a solid work/life balance.
• Banking perks and discount programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree
• Number of Employees: 501-1,000 employees