Credit Officer

Pay Range: $111,267.00 - $148,371.00 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. Education and Experience: 4 Year College degree, preferably in Finance or Accounting or equivalent education and experience Minimum 7 years lending or credit experience Skills and Abilities: 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 . Tasks Performed: 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. Physical Requirements: 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 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. NBT Bank offers a stimulating work environment that recognizes talent and encourages teamwork. Our employees benefit from a total compensation package, including competitive salary, bonuses and a wide range of benefits for eligible employees. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company. This policy applies to all terms of employment. NBT Bank is inclusive and supportive of individual needs. If you have a physical or other impairment that might require an accommodation, including technical assistance with the Careers website or submission process, please call 1-888-804-1771 or contact us via email at humanresources@nbtbank.com. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.