Job Information
NBT Bank Home Lending Underwriter in Fairport, New York
Pay Range: $26.65 - $35.53
Responsible for underwriting equity or mortgageloan 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 documentationdata with system data for accuracy. Complies with all policies, procedures and regulations. Answers questions that pertain to policy and procedure ofHome 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
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.
Financial and Banking Services : Various 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.
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 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 - like our Tuition Reimbursement Program. Join NBT Bank and build your career through the many growth, learning and collaborative opportunities made available across the company.
EEO is the law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf)
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.