Business Banking Underwriter II

Pay Range: $30.59 - $40.76Within 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.Education and Experience:BS in Business Administration, Accounting, or Finance preferredMBA desirable3 - 5 years previous commercial or business lending experience is requiredUnderstanding of governmental credit supports available to small business loans (SBA programs) is requiredSkills and Abilities: Strong working knowledge of financial statements, tax returns, and credit reportsIntermediate accounting knowledge with knowledge of various business structures with the ability to analyze financial statements and tax returnsProven ability to make challenging loan decisions with limited informationProficiency in windows based computer environmentAptitude to quickly develop a working knowledge of the Bank’s policy and procedures, products, accounting systems, and loan origination systemSelf motivated with strong communication, negotiation, organizational and interpersonal skillsAbility to work under critical time constraints while maintaining qualityAbility to interact professionally at many different levels (clients, management, peers, internal customers, etc.)Strong mathematical skills.Knowledge of all application regulations and guidelines.Ability to build and maintain positive professional relationship with internal and external partners.Unique Job Characteristics and Requirements:The incumbent will be an individual contributor who will be making lending decisions and is expected to make prudent decisions balancing growth and the safety of the bank’s assets. Appropriate financial skills and lending experience are necessary.Tasks Performed: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% Consistently maintain a high level of professionalism and service when dealing with all internal and external customers and partners. 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. Other duties as assigned.5% Recognize and take advantage of opportunities to obtain additional business.Physical Requirements:Communicate effectively with internal and/or external customersStationary 75% of time or greaterMove Objects to Maximum 10 lbsWhy Work at NBTAt NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. WellbeingAt NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. Community InvolvementNBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. CultureNBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. Career DevelopmentWhether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. Total RewardsNBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way. Business StabilityNBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. Benefits for Full-Time Employees: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: Ensuring your overall health and well-being. Flexible Spending Accounts: For healthcare and dependent care expenses. Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. Voluntary Benefits: Including hospital, accident, and critical illness coverage. Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.Adoption Assistance: Supporting your growing family. Tuition Reimbursement: Invest in your education and career growth. Employee Assistance Program (EAP): Access to support and resources. Pet Insurance: For all your furry friends. Financial and Banking Services: Various banking services benefits and financial planning assistance. Benefits for Part-Time Employees Working 20+ Hours/Week:Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. Dental and Vision Coverage: Ensuring your overall health and well-being. Voluntary Benefits: Including hospital, accident, and critical illness coverage. Generous Parental Leave: Six weeks of paid leave at 100% of your salary. Benefits for All Part-Time Employees:Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your futurePaid Sick and Safe Leave: For your health and safety. Employee Assistance Program (EAP): Access to support and resources. Financial and Banking Services: Various banking services benefits and financial planning assistance.Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.SummaryLocation: Norwich, New York; Albany, New York; Buffalo, New York; Utica, New YorkType: Full time