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 StabilityNBT 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 sho
Health insurance
Dental insurance
Vision insurance
Flexible schedule
Parental leave
Additional Information
Pay Range: $30.59 - $40.76
Acts in a primary support role in performing the due diligence required to secure and protect government guaranties from the Small Business Administration (SBA), Farm Service Agency (FSA) and United States Department of Agriculture Business and Industry and Community Facilities. Prepares, processes, documents, funds and services Government Guaranteed Loans in compliance with established SOPs. Completely analyzes credit requests, including in-depth financial analysis .
Education and Experience:
Minimum 3 years banking experience, preferably business lending experience
Bachelor's Degree or equivalent education and experience preferably in Business or Finance
Skills and Abilities:
Ability to work in a fast paced, professional environment while maintaining a high degree of accuracy.
Strong analytical and writing skills.
Ability to absorb, react and retain to constant changes in policy and procedures
Strong computer skills with proficiency in Word and Excel
Knowledge of commercial banking credit policies, financial statement analysis and loan structuring
Advanced working knowledge of balance sheet, income statement and projection analysis
Tasks Performed:
40% Responsible for regulatory and program compliance with preparing, processing, documenting, funding and servicing government guaranteed loans. Prepares loan packages and presentations for submission to government agencies to procure guaranties. Complete loan packages, coordinate loan closing and approve loan advances.
15% Conducts in-depth analysis of financial information to form recommendations for approval or denials of potential guaranteed credits including: written analysis of the borrower, guarantors and affiliated financial condition while accurately documenting repayment capacity, including industry comparisons and projection analysis when necessary. Analyzes the credit and collateral aspects of loan proposals to ensure eligibility pursuant program and bank guidelines
10% Assists in negotiating loan structure presentations for Bank approval and customer acceptance. Assists with documenting loans to ensure requirements are met and maintained. Ensures loan files are maintained through life of loan.
10% Collaborates with Relationship Managers, Branch Personnel and Senior Management to present an accurate and complete picture of financing packages that meet both the guaranteed program and bank credit standards
10% Works with other departments to ensure continued validity of outstanding guaranties
10% Performs Credit Analysis and Recommends Loan Decisions on Business Banking Loans. Assists with Sales of FSA Loans on the Secondary Market. Facilitates with NYS Linked Deposit Request.
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.
Nbtbancorp · Norwich, NY