Commercial Credit & Portfolio Officer

Build Your Career with Cayuga Lake National Bank

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 are seeking an experienced, analytical, and collaborative Commercial Credit and Portfolio Officer to join our Commercial Lending team. 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.

If you're looking for an opportunity where your expertise will make a meaningful impact on local businesses and the communities we serve, we'd love to hear from you.

What You'll Do

Portfolio Management & Credit Analysis

• 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. 

Credit Administration

• 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.

Leadership

• 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.

The ideal candidate will possess:

• 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.
• Community Bank Credit Analyst certification is preferred

Why Work at Cayuga Lake National Bank?

At Cayuga Lake National Bank, you'll enjoy more than just a job—you'll build a rewarding career with an organization that values its employees and the communities it serves.

We offer:

• 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.

Compensation & Benefits

We offer a competitive compensation and benefits package that includes:

• Annual Salary: Starting at $80,000 annually, commensurate with experience.
• 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