Dealer Finance Underwriter I

Pay Range: $22.19 - $29.57

Responsible for underwriting all types of indirect loan applications. Informs Dealer personnel of loan decisions while providing details of conditions. Complies with all regulations and guidelines. Answers questions that pertain to policy and procedure of Indirect Lending. Responsible for building and maintaining good Dealer relationships.

Education and Experience:

• Prior banking experience preferred
• College degree desired but not required

Skills and Abilities:

• PC skills in Windows environment
• Basic Accounting
• Indirect Lending Loan policy, products and procedure
• Knowledge of Automotive industry
• Self motivated with strong communication, negotiating, organizational and interpersonal skills

Unique Job Characteristics and Requirements:

FIS Originate (Loan Origination System) Fi- Serv CBS (Core Data System)

Tasks Performed:

• 70% Determines which requests for financing from the Dealer Network should be accepted, rejected, or conditionally accepted, using all applicable information reasonably available. Maintain a loan portfolio within the guidelines established by the bank in regards to Charge off and Delinquency. Be able to process specified number of applications per day with in the target time for turnaround, always complying with State and Federal regulations, bank policy, and department guidelines and practices
• 10% Builds and maintains relationships with dealerships and other customers by providing prompt, courteous, and reliable services.
• 10% Other duties as assigned.
• 5% Keeps the Department Manager aware of issues and ways of improving efficiencies and procedures within the Department and Bank.
• 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 member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. 

Career Development 

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. 

Total Rewards 

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.   

Business Stability 

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. 

Benefits for Full-Time Employees: 

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. 

• Parental Leave: Six weeks of paid leave at 100% of your salary. 

• Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being. 

• Flexible Spending Accounts: For healthcare and dependent care expenses. 

• Employer-Paid Disability Coverage