Pay Range: $70,415.00 - $93,902.00

The Commercial Loan Administrator Team Leader works under the supervision of the Commercial Loan Administrator Manager and is responsible for managing a team of Commercial Loan Administrators in the areas of loan and account documentation, closing, funding, modification and administration of Commercial relationships while instilling the highest level of customer service ethics. Ensures consistent training, development, mentorship, and direct supervision of staff to maintain compliance with Bank policies, procedures and regulatory guidelines. Collaborates with Commercial Loan Administrator Manager and Regional Leadership to maintain proper CLA coverage and provide ongoing customer service and documentation support to Relationship Manager(s). Acts as the Relationship Manager’s liaison on assigned commercial accounts, providing professional and efficient service to external and internal customers to ensure data accuracy, avoid losses and reduce undue risk. Responsible to analyze transaction structure and determine pertinent information to gather from a variety of sources, coordinates preparation and review of loan documentation, and ensures bank policy and regulatory compliance.

Education and Experience:

• Associates or Bachelor’s degree in Business or Accounting, or equivalent combination of education and relevant work experience.

• 6 years relevant experience in Commercial Lending

• Prior supervisory experience.

Skills and Abilities:

• Strong listening and communication skills with the ability to deliver quality customer service to both internal and external customers in a fast-paced, ever-changing environment.

• Extensive knowledge of Commercial Lending, including loan documentation, loan transaction accounting, and end-to-end lending processes.

• Knowledge of applicable regulations and how they are integrated in the lending process.

• Ability to maintain confidential and highly sensitive information

• Intermediate-to-expert competency with Microsoft Office (Word, Excel, Outlook, PowerPoint, Teams); bank accounting (loan, deposit and general ledger); electronic file storage; Preferred: customer relationship management program; loan origination/workflow systems

Tasks Performed:

• 25% Effectively supervise a team of Commercial Loan Administrators by providing centralized instruction and guidance to ensure consistent, streamlined workflows and performance, through training, development, mentorship and direct supervision of staff. Monitor team's ongoing performance to ensure consistent service level agreements, compliance requirements and department and individual goals are being met. Act as the primary contact for questions or concerns raised by the CLA Team.

• 25% Establish and maintain proper administrative coverage through identifying, hiring, motivating and retaining top talent. Conduct interviews and perform customary human resources functions. Onboard new Commercial Loan Administrators, identify and coordinate ongoing training needs, assist in developing appropriate curriculum, and actively train Commercial Loan Administrators when needs arise, in collaboration with the Commercial Loan Administrator Manager and Commercial Banking Training Administrator.

• 25% Assist Relationship Manager(s) with new loan requests for both existing and new borrowers to the bank, loan modifications and renewals to ensure proper documentation is obtained to underwrite, document and book loans. Responsible to review loan requests entered into the loan origination system to ensure data integrity, streamline the origination process, increase efficiency, and minimize downstream impacts. Responsible to review loan approval and perform post-approval due diligence to ensure all compliance requirements are met and loan adheres to bank policies and procedures. Gather additional documentation and order third party reports as required by loan approval to meet loan terms and conditions. Review business entity and organizational documents to ensure the entity is in good standing and identify authorized signers.

• 10% Collaborates with Relationship Manager and Attorney to facilitate loan closing. Coordinates Pre-Review of draft documents, gathers fees associated with closing, calculates interim interest and provides amortization schedule, as applicable. Performs initial review of signed loan documents to ensure proper documentation was obtained, signed, and dated properly and submit completed package for final review and boarding. Upload all documentation into the electronic file system and ensure original required documents are kept according to retention policy. Monitor document exceptions and follow up to ensure resolution. Responsible to disburse loan closing proceeds such as payoffs, wire transfers, and official checks in accordance with the Loan Closing Statement.

• 10% Responsible for ongoing loan maintenance and customer service activities, including direct contact with borrowers, attorneys, accountants, insurance agents and other vendors. Process on-going loan transactions such as loan advances, pay downs, payments and constructions draws, confirming proper customer authorization and sufficient funds to prevent fraud and mitigate loss. Monitors reports for upcoming renewals, past dues, maturities, overdrafts and delinquencies. Expedites problem resolution for customer questions, problems and issues. Researches and resolves payment, billing, late fees, amortization, holds, rate option and other customer issues, involving loan servicing. Acts as a liaison between customer and subject matter experts to ensure customer receives prompt and timely response.

• 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.