Education and Experience:

• 2-5 years prior banking or lending experience preferred
• Bachelor's Degree in Business or equivalent education and experience desired

Skills and Abilities:

• Strong computer proficiency - i.e. Microsoft Word, Excel and the Internet
• Strong analytical and problem-solving skills
• Loan policy, products and procedure
• Strong mathematical skills.
• Self motivated
• Strong communication (written and oral) and negotiation skills
• Strong organizational skills
• Strong customer service skills

Unique Job Characteristics and Requirements:

• NMLS Certification required or ability to obtain upon hire.

Tasks Performed:

• 70% - Determines which requests for financing from the branch network should be accepted, rejected, or conditionally accepted, using all applicable information reasonably available. Complying with State and Federal regulations, Bank Policy, and Department guidelines and practices. Performs prudent underwriting risk management protocols in connection with the home equity line of credit and revolving credit line portfolios to identify deteriorating or at-risk credits. Responsible for the efficient execution of portfolio analysis end of draw and risk trigger processes and workflows. Collaboration with internal and external customers will be necessary to alleviate or minimize losses through the proactive oversight of existing line of credit relationships. Responsible for pre-screening and underwriting the existing customer base; facilitating referrals to Special Assets as necessary; and adjudicating renewal requests as appropriate.
• 15% - Builds and maintains relationships with branches and other customers by providing prompt, courteous, and reliable services. Maintaining their workload within stated turn around standards.
• 5% - Keeps the department supervisor aware of issues and ways of improving efficiencies and procedures within the Department and Bank.
• 5% - Recognizes and takes advantage of opportunities to obtain additional business.
• 5% - Other duties as assigned.

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: Both short-term and long-term, with an option to purchase additional long-term coverage. 

• Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. 

• Voluntary Benefits: Including hospital, accident, and critical illness coverage. 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.

• Adoption Assistance: Supporting your growing family. 

• Tuition Reimbursement: Invest in your education and career growth. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Pet Insurance: For all your furry friends.

• Financial and Banking Services: Various banking services benefits and financial planning assistance. 

Benefits for Part-Time Employees Working 20+ Hours/Week: 

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

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

• Voluntary Benefits: Including hospital, accident, and critical illness coverage.

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

Benefits for All Part-Time Employees: 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future

• Paid Sick and Safe Leave: For your health and safety. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.