Consumer Loan Underwriter

5 days ago


Norwich, Norfolk, United Kingdom NBT Bancorp Inc. Full time
Job Summary

We are seeking a highly skilled Consumer Loan Underwriter to join our team at NBT Bancorp Inc. As a Consumer Loan Underwriter, you will be responsible for underwriting all types of personal lending loan applications, ensuring that bank, policy, and program guidelines are adhered to.

Key Responsibilities
  • Underwrite loan applications to ensure compliance with bank policies and regulations
  • Review and analyze loan files and supporting documentation to ensure accuracy and integrity
  • Communicate loan decisions to customers and branch personnel, providing details of conditions
  • Work with borrowers, loan officers, and other stakeholders to resolve questions and obtain documentation in a timely manner
  • Build and maintain good branch relationships
Requirements
  • 2-5 years of prior banking or lending experience preferred
  • 4-Year Business Degree or equivalent education and experience desired
  • Strong computer proficiency, including Microsoft Word, Excel, and the Internet
  • Strong analytical and problem-solving skills
  • Loan policy, products, and procedure knowledge
  • Strong mathematical skills
  • Self-motivated and able to work independently
  • Strong communication and negotiation skills
  • Strong organizational and customer service skills
Unique Job Characteristics and Requirements

NMLS Certification required or ability to obtain upon hire

Tasks Performed

  • 70% Determines which requests for financing from the branch Network should be accepted, rejected, or conditionally accepted, using all applicable information reasonably available
  • 15% Builds and maintains relationships with branches and other customers by providing prompt, courteous, and reliable services
  • 5% Keeps the department supervisor aware of issues and ways of improving efficiencies and procedures within the Department and Bank
  • 5% Recognizes and takes advantages 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


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