Personal Lending Underwriter

Pay Range: $22.63 - $30.17

Responsible for underwriting all types of personal lending loan applications ensuring bank, policy, and program guidelines are adhered to. Assures the integrity of the decision by com parting the loan file and supporting documentation data with the system data for accuracy. Informs customer or branch personnel of loan decisions while providing details of conditions. Complies with all policies, procedures, and regulations. Works with borrower, loan officer and others to resolve questions and obtain documentation in a timely manner.

Responsible for building and maintaining good branch relationships.

Education and Experience:

2-5 years prior banking or lending experience preferred Bachelor's Degree in Business or equivalent education and experience desired.

Skills and Abilities:

Strong computer proficiency - i.e. Microsoft Word, Excel and the Internet Strong analytical and problem-solving skills Loan policy, products and procedure Strong mathematical skills. Self motivated Strong communication (written and oral) and negotiation skills Strong organizational skills Strong customer service skills.

Unique Job Characteristics and Requirements: NMLS Certification required or ability to obtain upon hire.

• 70% - Determines which requests for financing from the branch network should be accepted, rejected, or conditionally accepted, using all applicable information reasonably available. Complying with State and Federal regulations, Bank Policy, and Department guidelines and practices. Performs prudent underwriting risk management protocols in connection with the home equity line of credit and revolving credit line portfolios to identify deteriorating or at-risk credits.
  
  Responsible for the efficient execution of portfolio analysis end of draw and risk trigger processes and workflows. Collaboration with internal and external customers will be necessary to alleviate or minimize losses through the proactive oversight of existing line of credit relationships. Responsible for pre-screening and underwriting the existing customer base; facilitating referrals to Special Assets as necessary; and adjudicating renewal requests as appropriate.
• 15% - Builds and maintains relationships with branches and other customers by providing prompt, courteous, and reliable services. Maintaining their workload within stated turn around standards.
• 5% - Keeps the department supervisor aware of issues and ways of improving efficiencies and procedures within the Department and Bank.
• 5% - Recognizes and takes advantage of opportunities to obtain additional business.
• 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

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…