At Shire, we are proud and grateful to employ military veterans and thank them for their contributions to our company and our country. See where your military experience can play a role at Shire by using our military skills translator job search tool below:
Pay Range: $29.26 - $39.04
Acts in a primary support role in performing the due diligence required to secure and protect government guaranties from the Small Business Administration (SBA), Farm Service Agency (FSA) and United States Department of Agriculture Business and Industry and Community Facilities. Prepares, processes, documents, funds and services Government Guaranteed Loans in compliance with established SOPs. Completely analyzes credit requests, including in-depth financial analysis .
Education and Experience:
Minimum 3 years banking experience, preferably business lending experience
Bachelor's Degree or equivalent education and experience preferably in Business or Finance
Skills and Abilities:
Ability to work in a fast paced, professional environment while maintaining a high degree of accuracy.
Strong analytical and writing skills.
Ability to absorb, react and retain to constant changes in policy and procedures
Strong computer skills with proficiency in Word and Excel
Knowledge of commercial banking credit policies, financial statement analysis and loan structuring
Advanced working knowledge of balance sheet, income statement and projection analysis
Tasks Performed:
40% Responsible for regulatory and program compliance with preparing, processing, documenting, funding and servicing government guaranteed loans. Prepares loan packages and presentations for submission to government agencies to procure guaranties. Complete loan packages, coordinate loan closing and approve loan advances.
15% Conducts in-depth analysis of financial information to form recommendations for approval or denials of potential guaranteed credits including: written analysis of the borrower, guarantors and affiliated financial condition while accurately documenting repayment capacity, including industry comparisons and projection analysis when necessary. Analyzes the credit and collateral aspects of loan proposals to ensure eligibility pursuant program and bank guidelines
10% Assists in negotiating loan structure presentations for Bank approval and customer acceptance. Assists with documenting loans to ensure requirements are met and maintained. Ensures loan files are maintained through life of loan.
10% Collaborates with Relationship Managers, Branch Personnel and Senior Management to present an accurate and complete picture of financing packages that meet both the guaranteed program and bank credit standards
10% Works with other departments to ensure continued validity of outstanding guaranties
10% Performs Credit Analysis and Recommends Loan Decisions on Business Banking Loans. Assists with Sales of FSA Loans on the Secondary Market. Facilitates with NYS Linked Deposit Request.
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
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over 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 - like our Student Loan Repayment Program. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company.
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EEO is the Law Poster Supplement
Pay Transparency Nondiscrimination Provision (https://www.dol.gov/sites/dolgov/files/OFCCP/pdf/pay-transp_%20English_formattedESQA508c.pdf)
Family Medical Leave Act (FMLA) Poster
Employee Polygraph Protection Act (EPPA) (https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf)
NBT Bank is an equal opportunity employer and fully supports a diversified environment. We do not discriminate against any applicant or employee because of race, color, religion, sex, national origin, age, disability, sexual orientation, marital status or veteran status, recently separated veterans, genetic information, victims of domestic violence and stalking or any other class protected by Federal, State or local law. 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.