Small Commercial Portfolio Manager

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

The Small Commercial Portfolio Manager position is responsible for prudent underwriting and effective credit and risk administration for credit relationship between $1.5MM and $2.0MM in exposure with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on‑going portfolio maintenance activities, and client support for an assigned portfolio of existing credits and prospects primarily of moderate to medium complexity, with some having higher complexity.

Education and Experience:

• 4 Year College degree, preferably in Finance or Accounting or equivalent education and experience
• 3+ years lending experience

Skills and Abilities:

• Strong verbal, writing and interpersonal skills.
• Excellent analytical, credit and underwriting skills.
• Sound leadership, organizational and time‑management skills.
• Complete knowledge of commercial loan policy and appropriate federal and state regulations pertinent to commercial real estate lending.
• Sound understanding of economics, commercial finance and accounting.

• 30% Proactively maintains and services the Credit and Risk administration of assigned portfolio accounts in the assigned Small Business Commercial Banking Portfolio to ensure overall commercial banking portfolio performance and asset quality remains strong and within risk tolerances.
• 30% Responsible for the structuring, underwriting, and documenting of matured loans as well as annual reviews of loans with existing customers, including management of complex credits. Assess the credit risk of assigned credit relationships and when necessary, regrade and/or restructure loans based on the current circumstances while minimizing loss potential to the Bank.  Takes the lead on the internal credit process for obtaining approvals of credit.
• 20% Train less experienced  department members on cash flow, collateral, loan structuring and lead customer interaction.
• 10% Manage the annual review and renewal schedule required by Bank Policy as well as day-to-day workflow requirements of the department.
• 5% Assist in the monthly portfolio reporting of KRIs
• 5% Other duties assigned

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.