Commercial Banking Relationship Manager

NBT Bank; Village of Williamsville (NY); On-site; USD 111,000 - 148,000; Full time

Benefits offered by this job

Generous Paid Time Off

Parental Leave

Comprehensive Medical Coverage

Dental and Vision Coverage

401(k) with Employer Matching

Tuition Reimbursement

Employee Assistance Program

Job summary

NBT Bank in Williamsville, NY seeks a seasoned Lending Officer to drive new business development, evaluate loan applications and manage a diverse loan portfolio in a compliant, customer‑focused way.

You will collaborate with senior officers, ensure adherence to banking policies and regulations, and lead efforts to grow relationships with commercial clients in a fast‑paced environment.

Qualifications

• 4 year degree or related experience 5-7 years lending experience.
• Strong accounting and credit analysis background.
• Excellent oral, written and listening skills.

Responsibilities

• Develops a portfolio through New Business Development activities handling all but the largest most complex relationships with borrowing, depository and Trust needs.
• Evaluates loan applications and makes recommendations to higher approval authority after analyzing borrower capacity, financial data, industry trends, collateral position, management ability and using personal judgment to determine credit worthiness.
• Maintains and services a loan portfolio including the timely gathering of financial data and keeping contact with customer, properly documenting borrower status through file write-ups.
• Seeks advice and guidance from more experienced lending Officers throughout the loan underwriting, approval and closure process.
• Other duties as assigned

Skills

Accounting & credit analysis

Oral & written communication

Goal attainment

Leadership & management

Education

4‑year degree or related lending experience (5–7 years)

Job description

Pay Range: $111,267.00 - $148,371.00

Responsible for full range of New business Development activities. Evaluates loan applications and makes recommendations to higher authority. Maintains a loan portfolio that includes gathering relevant financial data and maintains customer relationships. Complies with bank policies and Federal/State regulations dealing with Commercial Lending. As necessary works with more experienced Banking Officers in handling more complex relationships.

Education and Experience:

• 4 year degree or related experience 5-7 years lending experience

Skills and Abilities:

• Strong accounting and credit analysis background
• Strong oral, written and listening skills
• Ability to attain/exceed goals
• Strong management and leadership skills

Unique Job Characteristics and Requirements:

• Travel less than 50%
• Driver’s License required
• Reliable transportation required

Tasks Performed:

• 40% - Develops a portfolio through New Business Development activities handling all but the largest most complex relationships with borrowing, depository and Trust needs. Maintains awareness and adherence to Bank policy as well as Federal/State regulations affecting Commercial Lending.
• 25% - Evaluates loan applications and makes recommendations to higher approval authority after analyzing borrower capacity, financial data, industry trends, collateral position, management ability and using personal judgment to determine credit worthiness.
• 20% - Maintains and services a loan portfolio including the timely gathering of financial data and keeping contact with customer, properly documenting borrower status through file write-ups.
• 10% - Seeks advice and guidance from more experienced lending Officers throughout the loan underwriting, approval and closure process.
• 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 a Maximum of 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.