Business Banking Underwriter II

NBT Bank•Utica, NY

2d•$31 - $41•Onsite

About The Position

Within a loan production environment, this role adjudicates new, renewal, and modification loan applications, typically for larger, more complex relationships, loan structures, and industry-specific lending. The underwriter accurately and thoroughly communicates loan decisions to internal personnel and, if applicable, conditions of approval. They are responsible for maintaining acceptable credit quality metrics within their individual portfolio and assisting with reporting and monitoring requirements. Additionally, the role supports management with various department-related requirements, including Asset Quality, Loan Reviews, Audits, and policy and procedure development.

Requirements

3 - 5 years previous commercial or business lending experience is required.
Understanding of governmental credit supports available to small business loans (SBA programs) is 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 relationships with internal and external partners.
Appropriate financial skills and lending experience are necessary.
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

BS in Business Administration, Accounting, or Finance preferred.
MBA desirable.

Responsibilities

Adjudicate customer credit requests in accordance with bank policy and procedure, as well as all applicable regulations, within individual authority.
Analyze each applicant's cash flow, overall financial condition, credit history, and other credit criteria.
Apply analyzed information, in conjunction with the bank's 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 Business Banking, including policy, procedures, and loan structure.
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 the absence of the Underwriting Manager.
Recognize and take advantage of opportunities to obtain additional business.
Communicate effectively with internal and/or external customers.

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.