Business Banking Underwriter II

NBT Bank•Utica, NY

1d•$31 - $41

About The Position

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. 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. 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.

Requirements

BS in Business Administration, Accounting, or Finance preferred
3 - 5 years previous commercial or business lending experience is required
Understanding of Governmental Credit Supports that are available to small business loans (SBA programs) 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
Proven ability to make challenging loan decisions with limited information
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
Self motivated with strong communication, negotiation, 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, internal customers, etc.)
Strong mathematical skills.
Knowledge of all application regulations and guidelines.
Ability to build and maintain positive professional relationship with internal and external partners.

Nice To Haves

MBA desirable

Responsibilities

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.
Analyze loan requests above individual lending authority and make recommendations to present to senior underwriters for decision and approval.
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.
Review, analyze and adjudicate loan requests presented by junior underwriters, offer guidance, and make decisions when appropriate. May be responsible for Quality Assurance reviews.
Assist as a back up in absence of Underwriting Manager. 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.