HireFT
Browse JobsHow it worksPricingAboutSuccess Stories
    Back to jobs
    NB

    NBT Bancorp

    Financial Services

    Home Lending Underwriter

    Norwich, United StatesOn-SiteFull-time3+ yrs experience$27.18 – $36.25Posted 1w ago
    All NBT Bancorp jobs

    Job description

    Pay Range: $27.18 - $36.25
    Responsible for underwriting equity or mortgage loan applications ensuring bank, policy, program, investor and insurer guidelines are adhered to. Assures the integrity of the decision by comparing the loan file and supporting documentation data with system data for accuracy. Complies with all policies, procedures and regulations. Answers questions that pertain to policy and procedure of Home Lending.

    Education and Experience:

    • 3 years of underwriting experience with satisfactory performance or equivalent experience 4 Year degree in business orequivalent education and experience desired

    Skills and Abilities:

    • Strong personal and/or real estate lending background, including various Investor and Insurer guidelines
    • Strong organizational skills
    • Strong analytical and problem-solving skills
    • Excellent communication skills (written and oral)
    • Excellent customer service skills
    • Strong computer proficiency - i.e. Microsoft Word, Excel and the Internet
    • Proficient understanding of Loan Origination and Automated Underwriting Systems
    • Proficient in analyzing self-employed borrowers
    • Strong mathematical skills

    Unique Job Characteristics and Requirements:

    NMLS Certification required or ability to obtain upon hire.

    Tasks Performed:

    • 50% Analyzes the income, assets, credit history and other relevant data through supporting documentation. Assures the integrity of the decision by comparing the loan file and supporting documentation data with the system data for accuracy. Determine which requests for financing should be accepted, rejected, or conditionally accepted, using all applicable information reasonably available. Complying with State and Federal regulations, Investor, Insurer, Bank, and Departmental guidelines and practices.
    • 25% Responsible for achieving established turnaround time and customer service goals. Provides excellent customer service by responding to internal and external customer inquiries in a timely and courteous manner. Proactively monitors various pipeline reports to assure all service level expectations are met. Maintaining workloads within established departmental objectives. Assists in other areas of the department when necessary. Maintains a positive attitude and works as a team player with management, co-workers and others.
    • 20% Recognize and takes advantage of opportunities to obtain additional business. Takes an active role in providing assistance to Processors and Loan Originators on all underwriting inquiries or issues. Keeps abreast of all bank, investor and insurer guidelines that relate to underwriting.
    • 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

    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.

    Job details are sourced from the employer's original posting.

    Open job posting
    NB

    About the company

    NBT Bancorp

    NBT Bancorp is a financial institution.

    View all NBT Bancorp jobs
    Industry
    Financial Services
    Open roles
    67

    Interested in this role?

    Apply with HireFT

    Free to start — no card required.

    Your fit

    How well do you match?

    Sign in to see how your résumé lines up with this role.