Vice President of Lending

Job Description

Description:

Vice President of Lending

Job Type

Full-timeUnion Springs

Description

The Vice President of Lending at Cayuga Lake National Bank (CLNB) is a senior leadership role responsible for overseeing all aspects of the bank’s lending functions, including commercial, consumer, and mortgage lending. This role is critical to ensuring the quality, growth, and profitability of the loan portfolio, while maintaining strong credit standards and regulatory compliance.As a community-focused financial institution, CLNB seeks a VP of Lending who is not only a strategic thinker but also a visible leader in the local community, with a commitment to relationship banking and supporting the financial needs of local businesses and residents.

Requirements:

Key Responsibilities:

• Provide strategic leadership and day-to-day oversight of all lending operations, ensuring alignment with the bank’s goals, policies, and regulatory standards.

• Develop, implement, and monitor loan policies and procedures that ensure sound lending practices and mitigate credit risk.

• Lead, mentor, and support the lending team—including commercial lenders, mortgage originators, credit analysts, and loan operations staff.

• Grow and manage a high-quality loan portfolio that supports the bank’s mission and contributes to the community’s economic development.

• Evaluate and approve loans within designated authority; make recommendations to the loan committee or executive leadership on larger or more complex credits.

• Conduct regular reviews of the loan portfolio to identify trends, risks, and opportunities for improvement.

• Partner with compliance and credit teams to ensure lending activities meet all regulatory requirements (e.g., FDIC, OCC, CFPB, state banking regulations).

• Cultivate and maintain strong relationships with local businesses, civic leaders, and community organizations to enhance the bank’s visibility and lending opportunities.

• Collaborate with the executive team to develop and execute strategic growth initiatives, including new loan products and services tailored to the bank’s market.

• Oversee or support preparation of board reports, loan reviews, audits, and regulatory exams.

Qualifications:

• Bachelor’s degree in Business, Finance, Economics, or a related field (MBA or graduate banking school a plus).

• Minimum 7–10 years of progressive experience in commercial and consumer lending, preferably within a community bank setting.

• Strong understanding of credit underwriting, portfolio management, and loan servicing.

• Demonstrated leadership skills with experience managing lending teams.

• In-depth knowledge of banking regulations and compliance related to lending.

• Strong interpersonal and communication skills, with the ability to engage clients, staff, and community stakeholders effectively.

• Proven ability to analyze complex financial information and make sound credit decisions.

Preferred Skills:

• Deep ties to the local community or region.

• Experience in secondary residential mortgage, commercial and agricultural lending.

• Familiarity with core banking and loan origination systems.

• Active participation in local business or civic organizations.

Starting Rate: $125,000 – 175,000 per year

Benefits:

- Paid Time Off (PTO)

- Sick Time

- Health insurance

- Dental insurance

- Life insurance

- 401(k)

- Flexible Spending Account or Health Savings Account

- Continuing education and tuition assistance.

- Federal Holidays

- Reduced rates on loans.

Full-time