Guaranteed Jobs (NOW HIRING)

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.

Total Rewards

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 Stability

NBT 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 insurance, with an option to purchase supplemental coverage.

• Voluntary Benefits: Including hospital, accident, and critical illness coverage.

• Retirement Plans:Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.

• Adoption Assistance: Supporting your growing family.

• Tuition Reimbursement: Invest in your education and career growth.

• Employee Assistance Program (EAP): Access to support and resources.

• Pet Insurance: For all your furry friends.

• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Benefits for Part-Time Employees Working 20+ Hours/Week:

• Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.

• Dental and Vision Coverage: Ensuring your overall health and well-being.

• Voluntary Benefits: Including hospital, accident, and critical illness coverage.

• Generous Parental Leave: Six weeks of paid leave at 100% of your salary.

Benefits for All Part-Time Employees:

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future

• Paid Sick and Safe Leave: For your health and safety.

• Employee Assistance Program (EAP): Access to support and resources.

• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.