Business Banking Credit Underwriter

Pay Range: $26.85 - $35.82

Within a loan production environment adjudicate new, renewal and modification loan applications within specified service standards. 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 recommendations for applications outside of individual lending authority and present for approval. 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.

Education and Experience

3 years prior commercial or business lending experience preferred

BS in Business Administration, Accounting, or Finance preferred

MBA desirable

Understanding of governmental credit supports available to small business loans (SBA) is preferred

Skills and Abilities

Working knowledge of financial statements, tax returns, and credit reports

Basic Accounting knowledge

Strong mathematical skills

Proficient 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

Self motivated and well organized with strong communication, negotiating, organizational and interpersonal skills

Ability to work under critical time constraints while maintaining quality

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

Ability to build and maintain positive professional relationships with internal and external partners.

Knowledge of all application regulations and guidelines.

Tasks Performed

55% Within individual authority, adjudicate customer credit requests in accordance to bank policy and procedure, as well as all applicable regulations. Make decisions in a timely manner that supports the bank’s ability to deliver superior customer service within agreed upon service level agreements.

35% Analyze loan requests above individual lending authority and present to senior underwriters for decision.

5% Other duties as assigned.

5% Recognize and take advantage of opportunities to obtain additional business.

Physical Requirements

Communicate effectively with internal and/or external customers

Stationary 75% of time or greater

Move Objects to Maximum 10 lbs

Why Work at NBT
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.

Wellbeing
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.

Culture
NBT 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 Development
Whether 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 Rewards
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. 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 future

Paid 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.

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