Senior Commercial Banking Relationship Manager

NBT Bancorp•Williamsville, NY

About The Position

The Senior Commercial Banking Relationship Manager develops and maintains profitable relationships with large customers with complex borrowing, depository, and trust needs. The role evaluates loan applications and borrower creditworthiness, manages a loan portfolio, gathers financial data, documents borrower status, and maintains customer contact. It requires adherence to bank policies and Federal and State regulations affecting commercial lending. The manager also provides training, advice, and guidance to less experienced loan officers. The position requires strong negotiation skills on behalf of the bank. Travel is less than 50%; a driver’s license and reliable transportation are required. Physical requirements include communicating effectively with internal and external customers, being stationary 75% of the time or greater, and moving objects weighing up to 10 pounds.

Requirements

Bachelor's degree or related experience.
7–10 years of commercial lending experience.
Strong accounting and credit analysis background.
Strong communication skills, including oral and written communication.
Ability to attain or exceed established business goals.
Strong management and leadership skills.
Ability to use various computer programs and a bank accounting system.
Understanding of economics, general business, commercial finance, and accounting.
Legal knowledge of lending practices.
Strong negotiation skills on behalf of the bank.
Driver’s license required.
Reliable transportation required.
Applicants must be authorized to work for any employer in the U.S.; the employer is unable to sponsor or assume sponsorship of an employment visa.

Responsibilities

Develop a profitable relationship portfolio through new business development, typically involving large customers with complex borrowing, depository, and trust needs.
Maintain awareness of and adhere to bank policy and Federal and State regulations affecting commercial lending.
Maintain and service a loan portfolio, including timely collection of financial data, customer contact, and documentation of borrower status through file write-ups.
Evaluate loan applications by analyzing borrower capacity, financial data, industry trends, collateral position, and management ability, and use personal judgment to determine creditworthiness.
Assist less experienced loan officers by providing training, advice, and guidance.
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 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 (EAP).
Pet insurance.
Banking services benefits and financial planning assistance.
For part-time employees working 20 or more hours per week: medical coverage, dental and vision coverage, voluntary benefits, and six weeks of paid parental leave at 100% of salary.
For all part-time employees: 401(k) with employer matching, optional Roth 401(k), pension plan for employees working at least 1,000 hours in a calendar year, paid sick and safe leave, EAP, and banking services benefits and financial planning assistance.
The company describes generous time-off policies, wellness initiatives, flexible work arrangements, career development programs and tools, competitive compensation, and performance-based incentives.