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<p style='text-indent:.5in'><strong><span style='font-size:22.0pt;font-family:
"Impact","sans-serif";color:#984806;font-weight:normal'>CORTLAND BANKS</span></strong><strong><span
style='font-size:22.0pt;font-family:"Impact","sans-serif";color:#984806'> </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><span style='color:#984806'>The Cortland
Savings and Banking Company</span></strong> has been proudly serving
individuals since 1892. Independent and locally owned, Cortland Banks is a
full-service state bank providing commercial and retail banking services.
Business is conducted at a total of 14 offices in Ashtabula, Mahoning,
Trumbull, Geauga, and Portage counties. Cortland Banks employ
approximately 177 people.<o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'> <o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><span style='font-family:"Lucida Handwriting";
color:red'>Currently, we have two positions which are open: </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><strong><span
style='color:#E36C0A'>Financial Analyst</span></strong><span style='color:#E36C0A'>
</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><strong><span
style='font-family:"Tahoma","sans-serif";color:#943634'>Securities Analyst</span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'> <o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'>If you are interested in applying for one of these
positions and meet the stated standards, please fax to: <strong><span
style='font-family:"Tahoma","sans-serif";color:#984806'>330-638-4907</span></strong><strong><span
style='font-family:"Tahoma","sans-serif";font-weight:normal'>-- or</span></strong><strong><span
style='font-family:"Tahoma","sans-serif"'> </span></strong>email <strong><span
style='color:#984806'>your resume</span></strong> and <strong><span
style='color:#984806'>cover letter</span></strong> to: <strong><span
style='font-family:"Tahoma","sans-serif";color:#984806'>dmack@cortland-banks.com</span></strong><strong><span
style='font-family:"Tahoma","sans-serif"'>.</span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'> <o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><u><span style='font-size:18.0pt;
font-family:"Lucida Handwriting";color:#E36C0A'>Financial Analyst</span></u></strong><strong><span
style='font-size:18.0pt;font-family:"Lucida Handwriting";color:#E36C0A'>:</span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#E36C0A'>Be responsible for
providing analytical and technical expertise for the Investment, Treasury and
Accounting Departments. The analyst will play a role in the measurement and
management of the Company's Asset-Liability position, interest rate risk
position inclusive of market value of equity. The position will focus on
providing bond accounting data and other balance sheet information to third
party services for the purpose of running advanced portfolio monitoring
reports. These reports will be used by the Chief Investment Officer and Chief
Financial Officer to determine balance sheet strategy. </span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#E36C0A'> </span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#E36C0A'>The Financial Analyst
will also assist the Chief Financial Officer and Assistant Controller in
preparing regulatory Call Reports, Forms 10Q and 10K and will prepare
supporting schedules relating to among other things; risk weighted assets, Risk
Based Capital, Tier I Capital and assets pledged.</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#E36C0A'> </span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><u><span style='font-family:"Tahoma","sans-serif";
color:#E36C0A'>ESSENTIAL DUTIES & RESPONSIBILITIES OF THE FINANCIAL ANALYST</span></u></strong><strong><span
style='font-family:"Tahoma","sans-serif";color:#E36C0A'>: </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Coordinate outsourcing of or build and maintain simulation
models used to create NII and evaluate Earnings at Risk and Market Value of
Equity</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Use advanced portfolio monitoring reports and/or employ
metrics to produce profit enhancement/risk reduction strategies for the Bank.</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Develop interest rate risk profiles to assist with
measurement of the risk profile and for regulatory exams</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Be proactive in the development and constant improvement
of the measurement process of the balance sheet profile for the Bank</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Consistently, update A/L and Treasury staff on recent
developments and research pertaining to asset/liability management, risk
management, and other pertinent areas of the business</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Participate in accounting and finance seminars and
industry conferences as directed by the Chief Financial Officer and the Chief
Investment Officer</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Perform financial analysis of investment and general
ledger account detail</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Other duties as requested</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#E36C0A'> </span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><u><span style='font-family:"Tahoma","sans-serif";
color:#E36C0A'>JOB REQUIREMENTS/SPECIFICATIONS</span></u></strong><strong><span
style='font-family:"Tahoma","sans-serif";color:#E36C0A'>:</span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>1-3 years minimum of accounting or financial related
industry experience</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Completion of undergraduate core program in business
administration (i.e., public accounting or finance)</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Skill in use of computer terminal; calculator</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.75in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#E36C0A'>§</span><span style='font-size:7.0pt;color:#E36C0A'> </span><span
style='color:#E36C0A'>Experience with Sendero or other Asset-Liability software
preferred but not required</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'> <o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><u><span style='font-size:18.0pt;
font-family:"Lucida Handwriting";color:#943634'>Securities Analyst</span></u></strong><strong><span
style='font-size:18.0pt;font-family:"Lucida Handwriting";color:#943634'>: </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#943634'>Be responsible for
maintaining the detailed bond portfolio subsidiary ledger and assisting the CIO
in performing pre-purchase analysis in conjunction with investment policy.
Reconcile bond portfolio ledger to general ledger totals. Reviews & analyzes
various investment securities (e.g. collateralized debt obligations and trust
preferred securities, Municipality and agencies) for fair market valuation,
credit quality and potential impairment. Periodic detailed analysis of Trustee
and broker cash flow analysis, deferral/default summaries, stress test analysis
and issuer financial reports will be performed for structured investment
products. Analysis & evaluation of these securities will also be performed
to determine accounting treatment under accounting guidance including FAS 157,
FAS 115, and FAS124 as well as compliance with appropriate regulations.</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#943634'> </span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><u><span style='font-family:"Tahoma","sans-serif";
color:#943634'>ESSENTIAL DUTIES & RESPONSIBILITIES OF THE SECURITIES
ANALYST I</span></u></strong><strong><span style='font-family:"Tahoma","sans-serif";
color:#943634'>: </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>Ability to define problems; collects data, establish
facts & draw valid conclusions.</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>Review & interpret financial records & journals</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>Handle sensitive inquiries & develop good rapport
with government & business officials.</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>Prepare detailed reports regarding securities
investigations.</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>Other duties as requested</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#943634'> </span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><u><span style='font-family:"Tahoma","sans-serif";
color:#943634'>JOB REQUIREMENTS/SPECIFICATIONS</span></u></strong><strong><span
style='font-family:"Tahoma","sans-serif";color:#943634'>:</span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>1-3 years minimum of accounting or financial related
industry experience</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>Completion of undergraduate core program in business
administration (i.e., public accounting or finance)</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>Skill in use of computer terminal; calculator</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings;
color:#943634'>§</span><span style='font-size:7.0pt;color:#943634'> </span><span
style='color:#943634'>Experience with Sendero or other Asset-Liability software
preferred but not required</span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><span style='color:#943634'> </span><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><span style='font-family:"Lucida Handwriting"'>We
are an equal opportunity employer (e.g. m/f/d/v drug-free workplace) and </span></strong><strong><span
style='font-family:"Lucida Handwriting"'>offer excellent benefits: </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Health
Care </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Prescription
Drugs </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Dental
Insurance </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Life
Insurance </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Accidental
Death and Dismemberment Insurance </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Short
& Long-Term Disability </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Paid
Vacation * </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Personal
Days </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>11
paid holidays </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Immediate
401k Entry * </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
1.0in;margin-bottom:.0001pt;text-indent:-.25in'><span style='font-family:Wingdings'>§</span><span
style='font-size:7.0pt'> </span><strong><span style='font-family:"Lucida Handwriting"'>Employee
401k match up to 5% of gross yearly income and 100% vesting * </span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong> </strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><span style='font-family:"Lucida Handwriting"'>*Applies
to Part-Time Employees.</span></strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong> </strong><o:p></o:p></p>
<p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:0in;margin-left:
.5in;margin-bottom:.0001pt'><strong><span style='font-size:7.5pt;color:red'>For
more information, see </span></strong><strong><span style='color:#984806'><a
href="http://cortland-banks.com/careers.aspx"><span style='font-size:7.5pt;
color:red'>http://cortland-banks.com/careers.aspx</span></a></span></strong><strong><span
style='font-size:7.5pt;color:red'>.</span></strong><o:p></o:p></p>
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