Senior Commercial Banking Relationship Leader

NBT Bancorp Inc.; Vails Gate Junction (NY); On-site; USD 130,650 - 174,169; Full time

Benefits offered by this job

Generous Paid Time Off

Parental Leave

Comprehensive Medical Coverage

Dental and Vision Coverage

401(k) with employer match

Tuition Reimbursement

Job summary

NBT Bank is recruiting for a Senior Commercial Lending professional in the New York area. You will develop profitable relationships with high net-worth clients, evaluate complex loan applications, and manage a portfolio with focus on credit quality and regulatory compliance.

The role requires strong leadership, deep credit analysis, and experience with banking software, while collaborating with colleagues to train junior staff and ensure adherence to policies.

Qualifications

• 4 year degree or related experience
• 7-10 years of Commercial Lending experience
• Strong accounting and credit analysis background
• Strong communication skills
• Ability to attain/exceed established business goals
• Strong management and leadership skills
• Ability to use various computer programs and bank accounting system
• Strong oral and written communication skills
• Understanding of economics, general business/commercial finance and accounting
• Legal knowledge of lending practices

Responsibilities

• Develops a profitable relationship portfolio through New Business Development activities with relationships normally involving large customers with complex borrowing, depository and Trust needs.
• 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.
• Evaluates loan applications by analyzing borrower capacity, financial data, industry trends, collateral position, management ability and then uses personal judgment to determine credit worthiness.
• Assists less experienced loan officers by providing training, advice, and guidance.
• Other duties as assigned.

Job description

NBT Bank is recruiting for a Senior Commercial Lending professional in the New York area. You will develop profitable relationships with high net-worth clients, evaluate complex loan applications, and manage a portfolio with focus on credit quality and regulatory compliance.

The role requires strong leadership, deep credit analysis, and experience with banking software, while collaborating with colleagues to train junior staff and ensure adherence to policies.