Commercial Credit Manager at Camden National Bank
Camden National Bank · Portland, United States Of America · Hybrid
- Professional
- Office in Portland
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If you’re looking to build your career at a forward-thinking organization with deep community roots and a vision for growth, success, and giving back, you’ve come to the right place.
Get to know us:
We’re your local community bank—and have been since 1875—that is committed to providing excellent customer service and giving back to our communities.
We foster a collaborative, inclusive work environment as part of a close-knit team where your voice is valued and heard.
Our highly engaged employees are rewarded for their performance and have ample opportunities for cross-training and advancement within the organization.
We’ve been named one of the best places to work in Maine, and offer robust benefits focused on your holistic well-being.
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Position Summary:
The Commercial Credit Manager (CCM) position is responsible for commercial credit underwriting and production on aggregate Bank commercial loan exposure in excess of $750,000. The position involves substantial interaction with the Director of Credit Administration, as well as all commercial directors and commercial relationship managers.
This position offers the flexibility of a hybrid work schedule, and the ability to work from a Camden National Bank location in Maine or New Hampshire.
Essential Duties and Responsibilities:
Manages, coaches, and develops a group of Credit Officers (I, II, and III), as well as commercial lenders when appropriate.
Through the use of digital tools and solutions, as well as manual due diligence, ensure the Credit Officers are producing within the goals set for this area and are responsible for continually enhancing the process for optimal quality and efficiency of commercial loan production.
Understand and communicate any relevant trends in the Bank’s credit risk profile to the Director of Credit Administration.
Operate with a high level of loan authority and monitor the authorities of direct reports.
Oversee the ultimate quality of commercial credit underwriting, including but not limited to Coding accuracy, Risk Rating accuracy, Fair Lending and SOX reporting.
Collaborate with the commercial banking teams on all best practices including but not limited to process, loan structure, industry trends, risk appetite, and other policy related items.
From time to time, underwrite commercial and commercial real estate loan requests in adherence with Bank lending policy.
Discuss and solution with direct reports any perceived credit weaknesses or potential credit problems that direct reports may uncover in the underwriting process.
Actively participate in external credit related exams and audits as requested.
Driven to make decisions that produce high-quality impact by applying technical knowledge, analyzing problems, and calculating risks.
Basic Qualifications
Bachelor’s degree in a relevant discipline and 5-7 years of related experience and/or training; or equivalent combination of education and experience
Formal credit analysis training or the experience and educational equivalent
Must possess a valid driver’s license
Skills and Abilities:
Ability to work collaboratively at all levels of the organization
Proven ability to successfully communicate, interact, and build effective relationships
Strong leadership skills as demonstrated through direct or intangible experiences
Successful track record of performance as an individual underwriter and through leading others, either formally or informally
Ability to make business decisions with the Bank’s goals and objectives in mind
Able to effectively communicate before groups of people, both within and outside the organization. Is comfortable and effective in communicating upward
Possess and demonstrate good project management skills and has proven track record of leading or adding significantly to project teams, both within the region, on an organizational level, or even outside the bank on a volunteer basis
Supervisory Skills:
The CCM will have direct reports that consist of up to several Credit Officers (I, II, and III). The CCM is responsible for carrying out supervisory duties in accordance with the organization’s policies and applicable laws. Responsibilities include interviewing, hiring, training and developing employees; planning assigning and directing work efforts; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
The statements contained herein reflect general details as necessary to describe the principle functions for this job, the level of knowledge and skill typically required, and the scope of responsibility, but should not be considered an all-inclusive listing of work requirements. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or to equalize peak work periods to balance workloads.
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Our comprehensive total rewards package offers something for everyone!
- Robust medical, dental, and vision insurance packages
- Generous time off, including paid federal holidays and paid day off for your birthday
- 401(k) retirement savings plan
- Tuition reimbursement, professional development, and career growth opportunities
- Employee assistance program
- Comprehensive wellness program
Pursue a career at Camden National Bank and apply today. We can't wait to hear from you!
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We are guided and inspired by our Core Values:
- Honest and Integrity above all else
- Trust built on fairness
- Service that creates remarkable experiences
- Responsibility to use our resources for the greater good
- Excellence through hard work and lifelong learning
- Diversity realized through inclusion and respect
Equal Opportunity Employer
Employment with Camden National is on an at-will basis, meaning employment is not guaranteed for any specific period of time, and any employment relationship established may be terminated by either party at any time, for any reason, with or without notice. Completion of an employment application is not a contract, express or implied, guaranteeing employment. Camden National Bank is an Equal Opportunity Employer and does not discriminate on the grounds of race, color, religion, sex, sexual orientation, including gender identity and gender expression, national origin, citizenship status, age, disability, genetic information or veteran status.
