Business Banking Underwriter I

NBT Bank•Utica, NY

18h•$31 - $41

About The Position

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.

Requirements

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.

Nice To Haves

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

Responsibilities

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.
Analyze loan requests above individual lending authority and present to senior underwriters for decision.
Other duties as assigned.
Recognize and take advantage of opportunities to obtain additional business.

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.