Credit Officer

Pay Range

$ - $

• 45% Responsible for structuring and underwriting new loans as well as loans with existing customers with a focus on the more complex credits. Approve loans within individual credit authority; meet with clients, perform due diligence, prepare LAR and underwriting documents, develop financial projections and other modeling on a case‑by‑case basis; communicate with all deal team members and senior credit officers; ensure underwriting and loan approval packages are consistent with loan policy and prudent underwriting practices.
• 15% Meet with the teams throughout the Regions and join Relationship Managers and other team members on client and prospect calls as requested.
• 10% Participate in corporate initiatives or other projects related to credit policy, cross‑10B commercial credit process improvements, data gathering and analytics, and maintain awareness of loan products, economic and market conditions, accounting and regulatory changes.
• 10% Responsible for portfolio management, monitoring and analysis of larger, more complex credits; prepare status reviews for non‑pass credits; direct and monitor early‑stage action plans consistent with loan policy.
• 10% Participate in monthly pipeline reviews, coordinate with LOB, credit support and credit staff on workflow and establishing priorities; prepare deal‑screen memos and supporting materials for review by the deal‑screen committee.
• 5% Supervise, train, mentor and develop staff.
• 5% Perform other duties as assigned.

• Education and Experience:
  
  4‑Year College degree, preferably in Finance or Accounting or equivalent education and experience.
• Minimum 7 years of lending or credit experience.
• Skills and Abilities:
  
  Strong verbal, writing and interpersonal skills; excellent analytical, credit and underwriting skills; sound organizational and time‑management skills; complete knowledge of commercial loan policy and appropriate federal and state regulations pertinent to commercial lending; sound understanding of economics, commercial finance and accounting.

Communicate effectively with internal and/or external customers. Stationary 50% of time, move about within or between locations, bend, twist, crouch, squat, move objects up to a maximum of 20lbs.

• 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 salary.
• Comprehensive Medical Coverage with employer contributions to HSA for High Deductible Health Plans.
• Dental and Vision Coverage.
• Flexible Spending Accounts for healthcare and dependent care expenses.
• Employer‑Paid Disability Coverage:
  Short‑term and long‑term, with optional additional coverage.
• Life Insurance:
  Employer‑paid basic life insurance with optional supplemental coverage.
• Retirement Plans: 401(k) plan with employer matching, optional Roth 401(k) and a pension plan.
• Adoption Assistance.
• Tuition Reimbursement.
• Employee Assistance Program (EAP).
• Pet Insurance.
• Financial and Banking Services and financial planning assistance.

• Medical, Dental and Vision Coverage with employer contributions to HSA for High Deductible Health Plans.
• Voluntary Benefits:
  Hospital, accident and critical illness coverage.
• Generous Parental Leave:
  Six weeks of paid leave at 100% of salary.

• Retirement Plans: 401(k) plan with employer matching, optional Roth 401(k) and a pension plan for employees working at least 1,000 hours in a calendar year.
• Paid Sick and Safe Leave.
• Employee Assistance Program (EAP).
• Financial and Banking Services and financial planning assistance.

EEO is the law – NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law.

This policy applies to all terms of employment. NBT Bank is inclusive and supportive of individual needs.