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About the Role
This position plays a vital role in maintaining the quality of the Bank's commercial loan portfolio through financial analysis, portfolio management, and credit administration. The successful candidate will also provide leadership and day-to-day supervision of the Credit Analyst and Commercial Loan Processor while fostering teamwork across the Bank.
Responsibilities
- Perform financial spreading and underwriting support for commercial loan requests.
- Analyze financial statements, tax returns, and other financial information for new and existing commercial loan relationships.
- Complete annual credit reviews for assigned commercial borrowers.
- Monitor credit quality, risk ratings, and the overall health of the commercial loan portfolio.
- Ensure borrower compliance with loan covenants and requirements.
- Obtain updated financial statements and supporting documentation from borrowers.
- Prepare credit presentations and reports for Commercial Loan Officers, the Loan Committee, and the Board of Directors.
- Assist in monitoring the overall quality and performance of the Bank's commercial loan portfolio.
- Work with internal and external auditors to ensure safety and soundness.
- Review commercial loans to ensure compliance with Bank lending policies and established credit standards.
- Conduct systematic reviews of commercial loan documentation for completeness and accuracy.
- Perform scheduled reviews of higher-risk loan relationships and recommend appropriate action.
- Analyze collateral and perform occasional collateral inspections to verify value and condition.
- Monitor classified loan relationships and develop action plans, including obtaining updated financial information and documentation from borrowers.
- Supervise and provide day-to-day guidance, coaching, training, and support to the Credit Analyst and Commercial Loan Processor.
- Assist Commercial Loan Processor to enter loans in the system.
- Review work for accuracy, consistency, and compliance while promoting efficient workflow and professional development.
- Foster a collaborative, respectful, and positive work environment within the Commercial Lending team.
- Build and maintain positive working relationships among all members of the Lending team and promote effective communication and teamwork across all Bank departments.
- Partner with Loan Officers, Credit Administration, Operations, Compliance, and other departments to ensure exceptional customer service, operational efficiency, and sound credit administration.
- Lead by example by demonstrating professionalism, accountability, integrity, and a commitment to the Bank's mission and values.
Requirements
- Bachelor's degree in Finance, Accounting, Business, or a related field.
- Strong analytical and critical thinking skills.
- 5-7 years of proven ability to analyze financial statements, business tax returns, and commercial credit relationships.
- Excellent organizational, communication, and time management skills.
- High level of professionalism, integrity, and confidentiality.
- Strong attention to detail with the ability to manage multiple priorities and meet deadlines.
- Proficiency with Microsoft Office and the ability to learn additional software applications.
- 5-7 years previous commercial credit analysis or commercial lending experience preferred.
- 3-5 years prior supervisory or leadership experience.
Skills
- Financial analysis
- Portfolio management
- Credit administration
- Underwriting support
- Financial statement analysis
- Tax return analysis
- Credit reviews
- Risk rating
- Loan covenant compliance
- Collateral analysis
- Collateral inspection
- Supervision
- Coaching
- Training
- Teamwork
- Communication
- Time management
- Professionalism
- Integrity
- Confidentiality
- Attention to detail
- Microsoft Office proficiency
Location
- Onsite
Work Type
- Full-time
Experience Level
- 5-7 years commercial credit analysis or commercial lending experience
- 3-5 years prior supervisory or leadership experience
Education Level
- Bachelor's degree in Finance, Accounting, Business, or a related field.
- Community Bank Credit Analyst certification preferred
Salary/Compensations
- Starting at $80,000 annually, commensurate with experience.
Benefits
- 3% employer contribution to your 401(k)
- Health insurance (Bank pays 65%–100% of premiums, depending on the plan selected)
- Dental insurance (Bank pays 100% of premiums)
- Employer-paid life insurance
- Flexible Spending Account (FSA) or Health Savings Account (HSA), depending on plan
- 15 days of Paid Time Off (PTO), prorated based on hire date
- 5 paid sick days
- 11 paid Federal holidays
About the Company
- At Cayuga Lake National Bank, we believe our employees are the heart of our success. As a locally owned community bank, we are committed to building lasting relationships with our customers, supporting the communities we serve, and creating a workplace where employees are respected, valued, and encouraged to grow professionally.
- We offer more than just a job—you'll build a rewarding career with an organization that values its employees and the communities it serves.
- Meaningful Work – Help local businesses grow and contribute to the economic strength of the communities we proudly serve.
- Supportive Team Environment – Work alongside experienced professionals who value collaboration, respect, and shared success.
- Professional Growth – We invest in our employees through training, continuing education, and career development opportunities.
- Work-Life Balance – Enjoy a predictable Monday through Friday schedule, generous paid time off, and a comprehensive benefits package.
- Community Commitment – Join a locally focused community bank where decisions are made close to home and relationships matter.