Credit Officer

Pay Range: $ - $

Responsible for evaluating and underwriting loan approval packages for both existing credits and new prospects. Will be responsible for loans of moderate and higher level complexity, with particular emphasis on adherence to credit policy and requirements. Will facilitate credit approvals through the approval process and will approve loans within individual credit authority. Will support multiple regions and will report to the Regional Credit Officer with similar coverage.

• 4 Year College degree, preferably in Finance or Accounting or equivalent education and experience
• Minimum 7 years lending or credit experience

• 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.

• 45% Responsible for structuring and underwriting new loans as well as loans with existing customers with a focus on the more complex credits. Responsible for approving loans within individual credit authority. Activities will include meeting with clients, performing due diligence, preparation of the LAR and the underwriting document, developing financial projections and other modeling on a case by case basis. Responsible for communicating with all deal team members and senior credit officers.
  
  Responsible for ensuring the underwriting and loan approval packages are consistent with loan policy and prudent underwriting practices.
• 15% Meet with the teams throughout the Regions and will 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, crossing 10 B, commercial credit process improvements, data gathering and analytics, among others. Maintain awareness of loan products, economic and market conditions, accounting and regulatory changes.
• 10% Responsible for the portfolio management, monitoring and analysis as required on larger more complex credits. Responsible for preparation of status reviews for non-pass credits for names they have followed. Will direct and monitor early stage action plans consistent with loan policy.
• 10% Will participate in monthly pipeline reviews, will coordinate with LOB, credit support and credit staff on workflow and establishing priorities. Also responsible for preparing deal screen memos and supporting materials for review by the deal screen committee.
• 5% Supervises, trains, mentors and develops staff.
• 5% Other duties as assigned.

• Communicate effectively with internal and/or external customers
• Stationary 50% of time
• Move about within or between locations
• Bend, Twist, Crouch, Squat
• Move Objects to Maximum 20 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 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…