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Pay Range: $19.71 - $26.27

Assist with the day-to-day activities of the Secondary Market team, including but not limited to: Analyzing and producing daily rate sheets, updating rate sheets and pricing engine for distribution to designated Bank sources and within the appropriate timelines. Assist with the selling and/or purchasing of loans in the Secondary Market, including: Government Sponsored Enterprises, , Correspondent and other Investors. Tracking and loan package administration for all Investor related loan sales and purchases of CRA wholesale Loans. Provide additional documentation to third party vendors to comply with funding requirements, package and deliver sold loans to the approved investors within the appropriate timelines. Monitor pipeline of loans and commitments for sale ability and expiration. Works daily with Secondary Market and Construction Risk Manager to administer Rate Lock policies and assist with special projects as needed.

Education and Experience:

+ Associate’s degree in Business or related discipline and two (2) years of related experience, or equivalent combination of education and experience

+ Two (2) years mortgage or lending experience preferred

Skills and Abilities:

+ Strong analytical skills; Ability to interpret complex documents

+ Ability to communicate effectively with both internal and external contacts

+ Strong Organizational skills

+ Ability to manage numerous tasks simultaneously

+ Strong ability to work well under pressure

+ Must be proficient of Microsoft Office applications including Word and Excel

+ Must be self-directed and motivated

+ Ability to solve advanced problems and deal with a variety of concrete variables.

+ Strong understanding of secondary market guidelines and regulations, with knowledge of various GSEs (e.g., Fannie Mae, Freddie Mac).

+ Must be flexible and adaptable

+ Work well in a team environment

Unique Job Characteristics and Requirements:

+ Specific job-related training will be required on a continual basis. Business travel required as needed between Norwich and off-site lending areas, as well as for Conferences, Professional Organizations, Training and Investor Seminars.

Tasks Performed:

+ 25% Prepare and maintain documents for Secondary Market Loan Sales, such as Freddie/Fannie Mae, including compiling and assuring all sold loan notes are submitted within the allotted timeframe.

+ 15% Analyze, prepare and communicate daily loan pricing for Home Lending - Mortgages. Maintain and update all loan pricing documentation and ensure it is properly stored within the image record system.

+ 10% Evaluate the sold loan reports to ensure accuracy, data integrity and timely commitment. Verify loans are properly coded for sale within appropriate systems.

+ 20% Review loan data to maintain sale ability of pipeline and remove any loans from reports that do not meet established criteria. Monitor reporting metrics to guarantee all sold loans are closed and sold within the expiration date and monitor loans that may be approaching expiration.

+ 10% Provide regular management updates on mortgage pipelines as well as tracking and loan package maintenance for all investor related loan sales and purchases of CRA Wholesale Loans.

+ 5% Work with Investors and Mortgage Insurance Companies to provide documentation for loan defects/repurchase requests.

+ 10% Assist the Secondary Market and Construction Risk Manager in analysis and document collection for builder acceptance.

+ 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 [email protected]. The Human Resources Shared Service Center hours of operation are Monday through Friday, 8:00 AM to 5:00 PM EST.