Lending Loan Underwriter

Pay Range: $27.18 - $36.25

Responsible for underwriting equity or mortgage loan applications ensuring bank, policy, program, investor and insurer guidelines are adhered to. Ensures the integrity of the decision by comparing the loan file and supporting documentation data with system data for accuracy. Complies with all policies, procedures and regulations. Answers questions that pertain to policy and procedure of Home Lending.

• 3 years of underwriting experience with satisfactory performance or equivalent experience
• 4 Year degree in business or equivalent education and experience desired

• 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

• NMLS Certification required or ability to obtain upon hire

• 50%:
  Analyzes income, assets, credit history and other relevant data through supporting documentation. Ensures the integrity of the decision by comparing the loan file and supporting documentation data with the system data for accuracy. Determines which requests for financing should be accepted, rejected, or conditionally accepted, using all applicable information reasonably available. Complies 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 pipeline reports to ensure service level expectations are met. Maintains 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%:
  Recognizes and takes advantage of opportunities to obtain additional business. Assists Processors and Loan Originators on underwriting inquiries or issues. Keeps abreast of bank, investor and insurer guidelines related to underwriting.
• 5%:
  Other duties as assigned.

• 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.

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.

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.

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.

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.

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk.…