Commercial Banking Relationship Manager

NBT Bancorp•Williamsville, NY

About The Position

Responsible for the full range of new business development activities. Evaluates loan applications and makes recommendations to higher approval authority, maintains a loan portfolio by gathering relevant financial data, and maintains customer relationships. Complies with bank policies and Federal and State regulations related to commercial lending. Works with more experienced Banking Officers as necessary when handling more complex relationships. The role develops a portfolio through new business development, handling all but the largest and most complex relationships with borrowing, depository, and Trust needs. It analyzes borrower capacity, financial data, industry trends, collateral position, and management ability to assess creditworthiness and recommend loan decisions. The Relationship Manager services the loan portfolio, gathers financial data on time, maintains customer contact, and documents borrower status. The position seeks guidance from more experienced lending Officers throughout underwriting, approval, and closing. The role requires travel of less than 50%, a driver's license, and reliable transportation. Physical requirements include communicating effectively with internal and/or external customers; remaining stationary 50% of the time; moving about within or between locations; bending, twisting, crouching, and squatting; and moving objects weighing up to 10 pounds.

Requirements

A four-year degree or related experience.
Five to seven years of lending experience.
Strong accounting and credit analysis background.
Strong oral, written, and listening skills.
Ability to attain or exceed goals.
Strong management and leadership skills.
Driver's license required.
Reliable transportation required.
Travel less than 50%.
Must be authorized to work for any employer in the U.S.; visa sponsorship is not available.

Responsibilities

Develop a portfolio through new business development, handling all but the largest and most complex relationships with borrowing, depository, and Trust needs.
Maintain awareness of and adherence to bank policies and Federal and State regulations affecting commercial lending.
Evaluate loan applications and recommend approval to higher authority after analyzing borrower capacity, financial data, industry trends, collateral position, and management ability, and using judgment to determine creditworthiness.
Maintain and service a loan portfolio, including timely gathering of financial data, maintaining customer contact, and documenting borrower status through file write-ups.
Seek advice and guidance from more experienced lending Officers during loan underwriting, approval, and closing.
Perform other duties as assigned.

Benefits

At least 22 days of paid time off annually for full-time employees, prorated in the year of hire.
Six weeks of paid parental leave at 100% of salary.
Medical coverage, including employer HSA contributions for eligible High Deductible Health Plan participants.
Dental and vision coverage.
Flexible spending accounts for healthcare and dependent care expenses.
Employer-paid short-term and long-term disability coverage, with an option to purchase additional long-term coverage.
Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary hospital, accident, and critical illness coverage.
401(k) plan with employer matching, optional Roth 401(k), and pension plan.
Adoption assistance.
Tuition reimbursement.
Employee Assistance Program.
Pet insurance.
Banking service benefits and financial planning assistance.
Wellness initiatives and flexible work arrangements.
Career development programs and tools.
Performance-based incentives.
Part-time employees working 20 or more hours per week are eligible for medical, dental, vision, voluntary benefits, and six weeks of paid parental leave.
All part-time employees may be eligible for retirement plans subject to the stated service-hour threshold, paid sick and safe leave, Employee Assistance Program, and banking and financial planning benefits.