Pay Range: $22.73 - $30.31 Associate will spread financial statements, borrowing base spreads and assist with covenant management. Associate will complete other various administrative tasks including but not limited to completing extension forms, reviewing ACH overlimits, national tenant reports, municipal underwriting, officers loan committee and deal screen minutes, line of credit changes and additional duties as seen fit. Education and Experience: + Associate’s or Bachelor’s Degree with a degree in accounting or finance preferred. Experience in Commercial, Credit, Retail, or Banking operating preferred. + RMA Courses such as (not required all but a plus) Accounting and Ratio Analysis, The Business of Commercial Banking, Ethics and Decision Making, Borrower Analysis: Qualitative Factors, Balance Sheet Analysis, Income Statement Analysis, Combined Balance Sheet and Income Statement Analysis Skills and Abilities: + Ability to interpret data while researching, analyzing and drawing conclusions + Ability to read and begin to understand loan documentation, loan structures, financial statements along with having a financial wellness acumen + Ability to maintain a strong knowledge of loan policy and procedures + Strong organizational, time management and prioritization skills with attention to detail + Excellent verbal, written, and interpersonal communication skills with strong presentation skills + Ability to make decisions effectively and handle conflict resolution + Team player able to work effectively in a team fostered, multi-tasking environment + Beginner to Intermediate competency with Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook + Experience with nCino a plus Tasks Performed: + 20% Provides guidance to credit and commercial lending in understanding and utilizing various reports, including support to end users, creating reporting, providing best-practice recommendations, and assisting in managing data. + 20% Provides support to Credit Administration with the timely and accurate production and coordination of reports and policy updates. This includes weekly Operating Loan Committee and monthly Directors Loan Committee packages, coordinating periodic policy meetings, managing the annual review process, updating loan policy, and various other reports and policies as requested. + 15% Lead coordinator for the annual review process end to end as a critical risk management control. This includes analyzing, coordinating and implementing workflow enhancements, collaborating with commercial lending business partners on Work in Process WIP, construction reporting, field exams and other credit administration functions. + 15% Represents Credit Administration by taking a lead role in a variety of cross-functional project-based initiatives including but not limited to data validation, data governance, finance projects, and loan origination projects. + 15% Serves as primary data steward for Credit Administration to include policy exception management, report writing, data remediation and serves as a liaison with other data stewards and the Data Governance Office. + 5% Coordinates the compilation of reports for bank regulators, auditors and loan review, and coordinate special projects as assigned. + 5% Coordinates and maintains the departments internal online communications. + 5% Perform 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.