Business Banking Center Manager

NBT Bancorp•Utica, NY

3d•Onsite

About The Position

The Business Banking Center Manager is responsible for the efficient organization and management of the Business Banking Center’s workflow, credit approvals, problem resolution, and personnel management. This role ensures effective utilization of systems like the origination system (B2B) and the portfolio management system (Risk Advisor), and ensures all work is processed in compliance with applicable regulations and policies. The manager develops and produces reports to monitor compliance and service level agreements, and takes action to ensure compliance. They advise, counsel, coach, and instruct the Business Banking Center (BBC) staff, and perform human resources functions such as hiring, monitoring staff productivity and performance, and conducting performance reviews. The manager interacts with Business Banking and branch relationship managers on loan underwriting issues, and decides on appeals of credit decisions and requests for policy exceptions. The team's ability to deliver high customer service with a short turnaround directly affects the Bank’s customer service and market competitiveness. Ensuring asset quality through prudent credit decisions and correct loan structuring minimizes delinquency and loan losses, positively impacting profitability. The manager interacts with the Department Manager and Credit Manager regarding credit policy, operations, reporting, and other departmental issues. They also contribute to the development of new Business Banking strategies and products.

Requirements

5 – 10 years banking experience required
2-5 years as a Commercial Lender or Business Banker
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
B2B administrator certification
Fiserve CBSImaging system
Communicate effectively with internal and/or external customers
Stationary 75% of time or greater
Move Objects to Maximum 10 lbs
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.

Nice To Haves

2 years of supervisory experience, preferred
4 year College degree in business desired, MBA preferred

Responsibilities

Efficient organization and management of the Business Banking Center’s workflow, credit approvals, problem resolution, and personnel management.
Effective utilization of systems, 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, and 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.
Ensure the quality of the asset booked to the bank through prudent credit decisions and correct loan structuring.
Interact with the Department Manager and Credit Manager regarding credit policy, operations, reporting and various other issues relating to the department.
Contribute to the development of new Business Banking strategies, products, etc.
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.
Oversee Quality Control. Pre and Post closing review.
System Administrator for Bank to Business.
Assist in development of solutions relative to work flow improvement and policy.
Provide ongoing training to branch personnel. Act as support to Small Business Bankers and Branch Lenders using Bank to Business.
Train, mentor, develop and oversee underwriting staff. Conduct annual reviews.
Other duties as assigned.

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 : 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.
Paid Sick and Safe Leave : For your health and safety.