Business Banking Underwriter I
NBT Bank, East Norwich, NY, United States
Pay Range: $30.59 - $40.76
Within a loan production environment adjudicate new, renewal and modification loan applications within specified service standards. Analyze each applicant's cash flow, overall financial condition, credit history, and other credit criteria. Apply this information, in conjunction with the bank's policy and procedures to make appropriate decisions within individual lending authority. Make recommendations for applications outside of individual lending authority and present for approval. 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.
Education and Experience
3 years prior commercial or business lending experience preferred
BS in Business Administration, Accounting, or Finance preferred
MBA desirable
Understanding of governmental credit supports available to small business loans (SBA) is preferred
Skills and Abilities
Working knowledge of financial statements, tax returns, and credit reports
Basic Accounting knowledge
Strong mathematical skills
Proficient 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 and well organized with strong communication, negotiating, 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, etc.)
Ability to build and maintain positive professional relationships with internal and external partners.
Knowledge of all application regulations and guidelines.
Tasks Performed
55% Within individual authority, adjudicate customer credit requests in accordance to bank policy and procedure, as well as all applicable regulations. Make decisions in a timely manner that supports the bank’s ability to deliver superior customer service within agreed upon service level agreements.
35% Analyze loan requests above individual lending authority and present to senior underwriters for decision.
5% 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
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.
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Within a loan production environment adjudicate new, renewal and modification loan applications within specified service standards. Analyze each applicant's cash flow, overall financial condition, credit history, and other credit criteria. Apply this information, in conjunction with the bank's policy and procedures to make appropriate decisions within individual lending authority. Make recommendations for applications outside of individual lending authority and present for approval. 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.
Education and Experience
3 years prior commercial or business lending experience preferred
BS in Business Administration, Accounting, or Finance preferred
MBA desirable
Understanding of governmental credit supports available to small business loans (SBA) is preferred
Skills and Abilities
Working knowledge of financial statements, tax returns, and credit reports
Basic Accounting knowledge
Strong mathematical skills
Proficient 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 and well organized with strong communication, negotiating, 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, etc.)
Ability to build and maintain positive professional relationships with internal and external partners.
Knowledge of all application regulations and guidelines.
Tasks Performed
55% Within individual authority, adjudicate customer credit requests in accordance to bank policy and procedure, as well as all applicable regulations. Make decisions in a timely manner that supports the bank’s ability to deliver superior customer service within agreed upon service level agreements.
35% Analyze loan requests above individual lending authority and present to senior underwriters for decision.
5% 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
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.
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