Canandaigua National Bank & Trust (CNB) is seeking a skilled and dedicated Consumer Loan Underwriter to join our team in Canandaigua, NY.
As a Consumer Loan Underwriter, you will play a crucial role in building relationships with local auto dealerships, negotiating rates for Indirect Auto Loans, and evaluating credit quality to assess risks associated with loan requests.
This is an excellent opportunity for an individual with strong attention to detail, exceptional communication skills, and a passion for delivering outstanding service to customers.
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Job Details
Job Title: Consumer Loan Underwriter
Location: Canandaigua, NY, US
Company: Canandaigua National Bank & Trust
Requisition ID: 2805
Job Type: Full-time
Job Description
Canandaigua National Bank & Trust (CNB) is seeking a skilled and dedicated Consumer Loan Underwriter to join our team in Canandaigua, NY. As a Consumer Loan Underwriter, you will play a crucial role in building relationships with local auto dealerships, negotiating rates for Indirect Auto Loans, and evaluating credit quality to assess risks associated with loan requests. This is an excellent opportunity for an individual with strong attention to detail, exceptional communication skills, and a passion for delivering outstanding service to customers.
Responsibilities
- Review consumer loan applications from dealerships and Community Offices, evaluating credit quality and associated risks.
- Build and maintain relationships with local auto dealerships, negotiating rates for Indirect Auto Loans.
- Collaborate with Senior Management to present loan applications for approval if recommendation exceeds approved limits.
- Maintain accurate awareness of the credit quality of the portfolio and the inherent credit risk.
- Provide exceptional customer service to dealers, internal teams, and external customers, offering appropriate counseling when necessary.
- Handle inquiries and requests for information from automobile dealership personnel and community office staff regarding loan status, approvals, payoffs, and more.
Requirements
- Associate degree or equivalent experience in Business, Accounting, or a related field.
- Minimum of three (3) years of experience in a related position.
- Excellent communication skills and strong attention to detail.
- Proficiency with PC and associated programs (such as Microsoft Office).
What Sets CNB Apart
At CNB, we invest in our employees and foster a strong corporate culture based on seven core values: Honesty and Integrity, Responsibility, Teamwork, Respect, Innovation, Professionalism, and Commitment. When you join our team, you can expect the following benefits and opportunities:
- Comprehensive medical, dental, and vision coverage options for both full-time and part-time employees, including coverage for domestic partners.
- Paid holidays, vacation, and sick time.
- Retirement benefits, including a 401(k), Profit Sharing, and Employee Stock Ownership Plan (ESOP).
- Training and development opportunities.
- Tuition assistance.
- Volunteer opportunities.
- Award-winning wellness program promoting work-life balance.
- Banking perks and discount programs.
Diversity and Inclusion
At CNB, we value diversity and are committed to creating an inclusive workplace. We actively seek to hire, train, develop, promote, and celebrate employees from historically disadvantaged groups. We embrace individuals with diverse backgrounds, including ethnicity, race, sex, gender identity and expression, nation of origin, age, languages spoken, veteran’s status, religion, disability, sexual orientation, education, and culture.
Join Canandaigua National Bank & Trust, the only local, full-service, community-owned financial institution in the Rochester area, and become part of a team dedicated to investing in your success. Apply today and be a part of something special!
Canandaigua National Corporation and its subsidiaries are proud promoters of workplace diversity. We are an Equal Opportunity Employer, welcoming applications from all qualified individuals regardless of minority status, female, sexual orientation, gender identity, disability, veteran status, or any other characteristic protected by applicable laws.
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FAQs
What are the main responsibilities of a Consumer Loan Underwriter?
As a Consumer Loan Underwriter, your main responsibilities include reviewing consumer loan applications from dealerships and Community Offices, assessing credit quality, evaluating risks associated with loan requests, building relationships with local auto dealerships, negotiating rates for Indirect Auto Loans, and providing exceptional customer service.
What sets Canandaigua National Bank & Trust apart as an employer?
Canandaigua National Bank & Trust is committed to investing in its employees and nurturing a strong corporate culture based on core values such as honesty, integrity, responsibility, teamwork, respect, innovation, professionalism, and commitment. They offer a range of benefits, including medical, dental, and vision coverage, paid holidays, vacation and sick time, retirement benefits, training and development opportunities, tuition assistance, volunteer opportunities, an award-winning wellness program, banking perks, and discount programs.
