Pay Range: $82,901.00 - $110,549.00
Incumbent is responsible for efficient organization and management of the Business Banking Center's workflow, credit approvals, problem resolution, and personnel management. Responsible for effective utilization of systems used within the department, specifically the origination system (B2B) and the portfolio management system (Risk Advisor). Ensure work is processed in compliance with all applicable regulations and policies. Develop and produce reports to monitor compliance with regulations and service level agreements. Take action to ensure compliance. Advise, counsel, coach, and instruct the Business Banking Center (BBC) staff on various aspects of their jobs. Perform customary human resources functions (hiring, monitor staff productivity and performance, performance reviews, etc. ). Interact with Business Banking and branch relationship managers on various issues relating to loan underwriting. Decide on appeals of credit decisions, requests for policy exceptions, etc. The groups' abilities to deliver high customer service as evidence with a short turnaround has direct affect on the Bank's customer service and out ability to complete effectively in the marketplace. Ensuring the quality of the asset booked to the bank through prudent credit decisions and correct loan structuring will minimize delinquency and loan losses and positively impact the Bank's profitability. Interacts with the Department Manager and Credit Manager regarding credit policy, operations, reporting and various other issues relating to the department. Contributes to the development of new Business Banking strategies, product, etc.
Education and Experience:
5 - 10 years banking experience required including 2-5 years as a Commercial Lender or Business Banker
2 years of supervisory experience, preferred
4 year College degree in business desired, MBA preferred
Skills and Abilities:
Knowledge of commercial lending with strong financial analysis and accounting skills
In depth knowledge of small business credit scoring models and strategies are necessary
Strong leadership and motivations skills are essential
Superior written and oral communications required, including excellent presentation skills
Incumbent must possess knowledge of laws governing lending and compliance
Knowledge of Bank Credit Policy & Procedures, Government Lending Program policies and regulations
Strong working knowledge of loan origination systems, preferably, Baker Hill's B2B system
Knowledge of personnel management policy and regulations
General banking background in order to identify cross sell opportunities
Unique Job Characteristics and Requirements:
B2B administrator certificationFiserve CBSImaging system
Tasks Performed:
60% Senior Underwriter and point person for day to day underwriting issues. Must insure Small Business Lending adherence with the Bank's loan policy and procedures, compliance, and State and Federal regulations in multiple state environment.
10% Oversee Quality Control. Pre and Post closing review.
10% System Administrator for Bank to Business.
5% Assists in development of solutions relative to work flow improvement and policy.
5% Provide ongoing training to branch personnel. Act as support to Small Business Bankers and Branch Lenders using Bank to Business.
5% Train, mentor, develop and oversee underwriting staff. Conduct annual reviews.
5% Other duties as assigned.
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.
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.
EEO is the law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf)
EEO is the Law Poster Supplement
Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp\%20English\formattedESQA508c.pdf)
Family Medical Leave Act (FMLA) Poster
Employee Polygraph Protection Act (EPPA) (https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf)
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 1-888-804-1771 or contact us via email at humanresources@nbtbank.com. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.
