Business Banking Underwriter II

Pay Range: $30.59 - $40.76

Within a loan production environment adjudicate new, renewal and modification loan applications typically for larger, more complex relationships and loan structures, and industry specific lending. Accurately and thoroughly communicate loan decisions to internal personnel and, if applicable, conditions of approval. Maintain acceptable credit quality metrics within the underwriter's individual portfolio. Assist with reporting and monitoring requirements as needed. Assist management with various department related requirements including Asset Quality, Loan Reviews, Audits, policy and procedures, etc.

Education and Experience:

• BS in Business Administration, Accounting, or Finance preferred
• MBA desirable
• 3 - 5 years previous commercial or business lending experience is required
• Understanding of Governmental Credit Supports that are available to small business loans (SBA programs) required

Skills and Abilities:

• 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 relationship with internal and external partners.

Unique Job Characteristics and Requirements:

The incumbent will be an individual contributor who will be making lending decisions and is expected to make prudent decisions balancing growth and the safety of the bank’s assets. Appropriate financial skills and lending experience are necessary.

Tasks Performed:

• 60% Within individual authority, adjudicate customer credit requests in accordance to bank policy and procedure, as well as all applicable regulations. Analyze each applicant's cash flow, overall financial condition, credit history, and other credit criteria. Apply this information, in conjunction with the banks 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.
• 10% Analyze loan requests above individual lending authority and make recommendations to present to senior underwriters for decision and approval.
• 10% 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 BB, including policy, procedures, loan structure, etc. Participate in outreach activities, such as developing and presenting field training.
• 10% Review, analyze and adjudicate loan requests presented by junior underwriters, offer guidance, and make decisions when appropriate. May be responsible for Quality Assurance reviews.
• 5% Assist as a back up in absence of Underwriting Manager. Other duties as assigned.
• 5% Recognize and take advantage of opportunities to obtain additional business.

Physical Requirements:

• Communicate effectively with internal and/or external customers
• Stationary 75% of time or greater
• Move Objects to Maximum 10 lbs

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. 

Wellbeing 

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. 

Community Involvement 

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. 

Culture 

NBT believes in creating a workplace where every voice matters and every team membe