Consumer Loan Underwriter II

Consumer Loan Underwriter

Canandaigua National Bank & Trust

Location: Canandaigua, NY

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.

• 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)

• 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

What makes working at Canandaigua National Bank different? Our Core Values guide how we serve, lead, and grow alongside our community. By working wholeheartedly, feeling empowered, acting with courage, being authentic, and serving with a noble spirit, WE CAN fortify healthy lives by doing what's right for our customers and the community.

Our culture nurtures passionate employees and offers great rewards including:
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.

Our goal is to ensure that our bank, employees, and our community thrive and grow, now and for the next 135 years. We're in it for the long haul. What truly sets us apart from other financial institutions is the quality and commitment of our employees. We've assembled a diverse team of people who share a primary focus: to provide exceptional service for our customers.

As an organization, we are committed to hiring, training, developing, promoting, and celebrating employees from historically disadvantaged groups. At Canandaigua National Bank, we welcome the unique contributions that you can bring in terms of ethnicity, race, sex, gender identity and expression, nation of origin, age, languages spoken, veteran's status, religion, disability, sexual orientation, education, and culture.

Canandaigua National Bank remains an independent, community bank. If you want to be a part of something special, join us today!

Compensation range - $66,000 - $79,000

The actual salary offered within the range is dependent on a variety of factors including, but not limited to, relevant experience, qualifications, skills, level offered, and performance expectations. Canandaigua National Corporation and its subsidiaries encourage diversity in the workplace; we are an Equal Opportunity Employer. Minority/Female/Sexual Orientation/Gender Identity/Disability/Veteran.

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