Operations Commercial Loan Specialist

NBT Bank•Williamsville, NY

3d•$25 - $34

About The Position

NBT Commercial Loan Operations Specialists independently perform complex commercial operational tasks within Operations functional areas. They use technical expertise in their designated area to resolve escalated issues and support customer service. The role applies experienced knowledge of commercial loan structures and documentation, policies, procedures, regulations, and laws to ensure adherence to loan approvals and commercial loan documentation. It interprets and completes requests for data input, maintenance, verification, and collection, and supports monetary and non-monetary transactions requiring reconciliation. The specialist uses advanced knowledge to support projects, including testing enhancements to loan accounting and origination systems. They apply a strong understanding of loan accounting systems and their impact to guide staff and collaborate with peers and managers to resolve issues and achieve goals. The role independently identifies solutions, creates and updates procedures with supervisor approval, and ensures compliance with applicable regulations. Its work directly affects customer accounts, bank reporting, and real-time information. The specialist may prepare reports and provide information to authorized persons, including for internal loan review audits. The position also fosters inclusive, collaborative, and courteous relationships with internal customers, colleagues, and peers, and develops mutually beneficial internal and external networks.

Requirements

Associate degree and 3 years of experience, or an equivalent combination of education and experience.
Developed analytical and problem-solving skills.
Ability to follow procedures and interrogate data.
Strong organizational skills.
Good written and oral communication skills.
Ability to deliver high-quality work in a friendly, fast-paced environment.
Ability and willingness to learn new skills.
Communicate effectively with internal and/or external customers.
Stationary for 75% or more of the time.
Move objects weighing up to 10 pounds.

Nice To Haves

Bachelor’s degree.
Prior experience in the assigned operational area.
Accounting and computer skills.

Responsibilities

Process complex Business Banking and commercial transactions and tasks, including boarding complex loan structures with multiple collateral pledges and balancing general ledger accounts.
Guide teammates on complex functions, resolve complex exception items, and interact with vendors and project teams.
Complete higher-level team tasks requiring analysis, independent judgment, and decision-making.
Support internal and external customers and department teammates; cross-train and provide coverage for other team duties as required.
Maintain knowledge of and comply with applicable laws, regulations, policies, procedures, and internal controls, with an ongoing focus on risk and fraud mitigation.
Uphold service-level standards under normal conditions.
Develop and update procedures with the supervisor and assist with employee training and onboarding.
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 participants in the High Deductible Health Plan.
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) with employer matching, optional Roth 401(k), and a pension plan.
Adoption assistance.
Tuition reimbursement.
Employee Assistance Program.
Pet insurance.
Banking services benefits and financial planning assistance.
For part-time employees working 20 or more hours per week: medical, dental, vision, and voluntary benefits, as well as six weeks of paid parental leave at 100% of salary.
For all part-time employees: retirement plans, paid sick and safe leave, Employee Assistance Program, and banking services benefits and financial planning assistance.