Business Banking Credit Underwriter

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. 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.

BS in Business Administration, Accounting, or Finance preferred

• MBA desirable
• 3 - 5 years previous commercial or business lending experience is required
• Understanding of governmental credit supports available to small business loans (SBA programs) is required

Strong working knowledge of financial statements, tax returns, and credit reports

Intermediate accounting knowledge with knowledge of various business structures with the ability to analyze financial statements and tax returns

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

Ability to work under critical time constraints while maintaining quality

Ability to interact professionally at many different levels (clients, management, peers, internal customers, etc.)

Knowledge of all application regulations and guidelines.

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.

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% Recognize and take advantage of opportunities to obtain additional business.

Communicate effectively with internal and/or external customers

At 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.

At 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 Involvement

NBT 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.

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.

Business Stability

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. Benefits for Full-Time Employees:

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, with an option to purchase additional long-term coverage.

Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental 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.

Tuition Reimbursement: 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: 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 future

Employee Assistance Program (EAP): Access to support and resources.

Financial and Banking Services: Various banking services benefits and financial planning assistance.

We are unable to sponsor or assume sponsorship of an employment Visa at this time.

NBT Bank offers a stimulating work environment that recognizes talent and encourages teamwork. Our employees benefit from a total compensation package, including competitive salary, bonuses and a wide range of benefits for eligible employees. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company.

Family Medical Leave Act (FMLA) Poster

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 Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.