Personal Lending Underwriter I

NBT Bank•Norwich, NY

1d•$23 - $30

About The Position

Responsible for underwriting all types of personal lending loan applications and ensuring compliance with bank, policy, and program guidelines. The role verifies loan-file and supporting-documentation data against system data, communicates decisions and conditions to customers or branch personnel, and works with borrowers, loan officers, and others to resolve questions and obtain documentation in a timely manner. It also includes building and maintaining branch relationships and complying with applicable policies, procedures, and regulations. The underwriter evaluates financing requests from the branch network and determines whether to accept, reject, or conditionally accept them using reasonably available information and applicable regulations, bank policies, and department guidelines. The role also supports prudent risk management for home equity and revolving credit line portfolios, including portfolio analysis, end-of-draw and risk-trigger workflows, existing-customer pre-screening, referrals to Special Assets when appropriate, and renewal decisions. The position maintains service and turnaround standards, identifies process improvements and opportunities for additional business, and performs other assigned duties.

Requirements

NMLS certification is required, or the ability to obtain it upon hire.
Strong computer proficiency, including Microsoft Word, Excel, and the Internet.
Strong analytical and problem-solving skills.
Knowledge of loan policy, products, and procedures.
Strong mathematical skills.
Self-motivation.
Strong written and oral communication and negotiation skills.
Strong organizational skills.
Strong customer-service skills.
Applicants must be authorized to work for any employer in the United States; the employer cannot sponsor or assume sponsorship of an employment visa.

Nice To Haves

Two to five years of prior banking or lending experience preferred.
Bachelor’s degree in business, or equivalent education and experience, desired.

Responsibilities

Underwrite personal lending loan applications in accordance with bank, policy, and program guidelines.
Compare loan-file and supporting-documentation information with system data to verify accuracy and decision integrity.
Communicate loan decisions and conditions to customers or branch personnel.
Work with borrowers, loan officers, and others to resolve questions and obtain documentation promptly.
Determine whether branch-network financing requests should be accepted, rejected, or conditionally accepted using applicable information, regulations, policies, and department guidelines.
Perform risk-management protocols for home equity line of credit and revolving credit line portfolios to identify deteriorating or at-risk credits.
Execute portfolio analysis, end-of-draw, and risk-trigger processes and workflows efficiently.
Collaborate with internal and external customers to help alleviate or minimize losses through proactive oversight of existing line-of-credit relationships.
Pre-screen and underwrite existing customers, facilitate referrals to Special Assets when necessary, and adjudicate renewal requests as appropriate.
Build and maintain relationships with branches and other customers by providing prompt, courteous, reliable service and meeting stated turnaround standards.
Keep the department supervisor informed of issues and opportunities to improve departmental and bank efficiencies and procedures.
Recognize and pursue opportunities to obtain additional business.
Comply with applicable policies, procedures, and regulations.
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.
Part-time employees working 20 or more hours per week may receive medical, dental, vision, voluntary benefits, and six weeks of paid parental leave.
Part-time employees may receive paid sick and safe leave; retirement-plan eligibility includes a 1,000-hours-per-calendar-year condition.