Pay Range: $117,066.00 - $156,300.00

The Portfolio Manager position is responsible for prudent underwriting and effective credit and risk administration 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

• 5 to 7 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 .

Tasks Performed:

• 30% Proactively maintains and services the Credit and Risk administration of assigned portfolio accounts in the commercial banking portfolio to ensure overall commercial banking portfolio performance and asset quality remains strong. When necessary, surfaces issues, proposes and collaborates with others on strategies and actions to limit risk and loss to the Bank. Meets deadlines associated with maintaining portfolio and compliance with credit and risk policies

• 30% Responsible for the structuring, underwriting, and documenting of new loans as well as loans with existing customers, including management of complex credits. Takes the lead on the internal credit process for obtaining approvals of credit proposals.

• 25% Regular client interaction to support and complement relationship manager with servicing customers and resolving issues related to both credit and other bank products including deposit, ACH, and cash management. Attends networking functions and events to establish presence in the community.

• 10% Continually develops and maintains specialized knowledge of commercial products including loans, cash management, trade services products and deposits.

• 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.

• 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.