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 short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance : Employer-paid basic life in
Health insurance
Dental insurance
Vision insurance
Flexible schedule
Equity / stock options
Parental leave
Additional Information
Pay Range: $27.18 - $36.25
Responsible for underwriting equity or mortgageloan applications ensuring bank, policy, program, investor and insurer guidelines are adhered to. Assures the integrity of the decision by comparing the loan file and supporting documentationdata with system data for accuracy. Complies with all policies, procedures and regulations. Answers questions that pertain to policy and procedure ofHome Lending.
Education and Experience:
3 years of underwriting experience with satisfactory performance or equivalent experience 4 Year degree in business orequivalent education and experience desired
Skills and Abilities:
Strong personal and/or real estate lending background, including various Investor and Insurer guidelines
Strong organizational skills
Strong analytical and problem-solving skills
Excellent communication skills (written and oral)
Excellent customer service skills
Strong computer proficiency - i.e. Microsoft Word, Excel and the Internet
Proficient understanding of Loan Origination and Automated Underwriting Systems
Proficient in analyzing self-employed borrowers
Strong mathematical skills
Unique Job Characteristics and Requirements:
NMLS Certification required or ability to obtain upon hire.
Tasks Performed:
50% Analyzes the income, assets, credit history and other relevant data through supporting documentation. Assures the integrity of the decision by comparing the loan file and supporting documentation data with the system data for accuracy. Determine which requests for financing should be accepted, rejected, or conditionally accepted, using all applicable information reasonably available. Complying with State and Federal regulations, Investor, Insurer, Bank, and Departmental guidelines and practices.
25% Responsible for achieving established turnaround time and customer service goals. Provides excellent customer service by responding to internal and external customer inquiries in a timely and courteous manner. Proactively monitors various pipeline reports to assure all service level expectations are met. Maintaining workloads within established departmental objectives. Assists in other areas of the department when necessary. Maintains a positive attitude and works as a team player with management, co-workers and others.
20% Recognize and takes advantage of opportunities to obtain additional business. Takes an active role in providing assistance to Processors and Loan Originators on all underwriting inquiries or issues. Keeps abreast of all bank, investor and insurer guidelines that relate to underwriting.
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