Business Banking Underwriter III

Pay Range $82,901.00 - $110,549.00 Responsibilities Within a loan production environment adjudicate new, renewal and modification loan applications typically for larger, more complex relationships and loan structures and industry specific lending. Accurately and thoroughly communicate loan decisions to internal personnel and, if applicable, conditions of approval. Maintain acceptable credit quality metrics within the underwriter's individual portfolio. Assist with reporting and monitoring requirements as needed. Assist management with various department related requirements including Asset Quality, Loan Reviews, Audits, policy and procedures, etc. Other duties as assigned. 60% Within individual authority, adjudicate customer credit requests in accordance to bank policy and procedure, as well as all applicable regulations. Analyze each applicant's cash flow, overall financial condition, credit history, and other credit criteria. Apply this information, in conjunction with the banks policy and procedures to make appropriate decisions within individual lending authority. Make decisions in a timely manner that supports the bank's ability to deliver superior customer service within agreed upon service level agreements. 10% Analyze loan requests above individual lending authority and make recommendations to present to senior underwriters for decision and approval. 10% Assist management with various department related requirements including Asset Quality, Loan Reviews, Audits, policy and procedures, etc. Serve as a resource to internal partners in all areas of BB, including policy, procedures, loan structure, etc. Participate in outreach activities, such as developing and presenting field training. 10% Review, analyze and adjudicate loan requests presented by junior underwriters, offer guidance, and make decisions when appropriate. May be responsible for Quality Assurance reviews. 5% Assist as a back up in absence of Underwriting Manager. 5% Recognize and take advantage of opportunities to obtain additional business. Qualifications Education: BS in Business Administration, Accounting, or Finance preferred; MBA desirable. 5-10 years previous commercial or business lending experience; understanding of governmental credit supports available to business loans (SBA programs) required. Strong working knowledge of financial statements, tax returns, and credit reports. Intermediate accounting knowledge with an ability to analyze financial statements and tax returns. Proven ability to make challenging loan decisions with limited information. Proficiency in Windows-based computer environment. Aptitude to quickly develop a working knowledge of the Bank’s policy and procedures, products, accounting systems, and loan origination system. Strong mathematical skills. Self‑motivated with strong communication, negotiation, organizational and interpersonal skills. Ability to work under critical time constraints while maintaining quality. Ability to build and maintain positive professional relationship with internal and external partners. Ability to mentor team members. Knowledge of all application regulations and guidelines. Physical Requirements Communicate effectively with internal and/or external customers. Stationary 75% of time or greater. Move Objects to Maximum 10 lbs. Benefits Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. Parental Leave: Six weeks of paid leave at 100% of your salary. Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Dental and Vision Coverage. Flexible Spending Accounts for healthcare and dependent care expenses. Employer‑Paid Disability Coverage: Both short‑term and long‑term. Life Insurance: Employer‑paid basic life insurance with option to purchase supplemental coverage. Voluntary Benefits: Including hospital, accident, and critical illness coverage. Retirement Plans: 401(k) plan with employer matching, optional Roth 401(k), and a pension plan. Adoption Assistance. Tuition Reimbursement. Employee Assistance Program (EAP). Pet Insurance. Financial and Banking Services benefits. For Part‑Time Employees: Medical Coverage (HSA), Dental and Vision Coverage, Voluntary Benefits (hospital, accident, critical illness), Generous Parental Leave (six weeks), Retirement Plans for qualifying hours, Paid Sick and Safe Leave, Employee Assistance Program, Financial and Banking Services. EEO Statement EEO is the law EEO is the Law Poster Supplement Pay Transparency Nondiscrimination Provision Family Medical Leave Act (FMLA) Poster Employee Polygraph Protection Act (EPPA) NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. This policy applies to all terms of employment. NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call View phone number on click.appcast.io or contact us via email at View email address on click.appcast.io. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST. #J-18808-Ljbffr