Credit Officer III

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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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Camden National Bank is seeking an experienced Credit Officer III to join our team!

The Credit Officer position provides an opportunity to work independently in your choice of geographic locations in Maine, New Hampshire or Massachusetts, with the support of a close-knit team. You will have the opportunity to make a difference by leading project teams and implementing process improvements. In addition, Credit Officers are responsible for coaching and mentoring other analysts and trainees. Top performers have the ability to obtain commercial loan approval authority and are encouraged to develop a career path that supports both professional and bank goals.

Are you someone who:

• Is craving the culture of a highly engaged community bank for the next phase of your career?

• Is passionate about C&I and CRE underwriting and want to let that experience shine?

• Is seeking an opportunity that offers the flexibility of working remotely from home in Maine or New Hampshire, while also providing the ability to work onsite as well?

• Has worked in Credit at another financial organization, and are itching to take advantage of the challenging career opportunities found at one of the largest community banks in Maine?

• Is experienced at solving problems, streamlining processes, and teaching others?

• Has top-notch analytical skills, the ability to collaborate effectively with lenders and other business partners, and is excited about acting as a senior member of the Credit team?

• Has a connection to New England-and you're looking to return to the region or remain here to continue your career?

If so, this may be the perfect opportunity for you and you are encouraged to apply!

This position offers you the opportunity to:

• Be a change agent-serving on the forefront of automation and process enhancements for the team

• Contribute to an expanding credit department that is positioning for the future

• Serve as a producer, fully understanding our Credit philosophy, with solid opportunities for advancement

• Analyze some of largest transactions the Bank has, including the opportunity to underwrite both CRE and C&I deals up to ~$37M

Essential Duties and Responsibilities

• Using the Bank's loan origination system, spread and thoroughly analyze financial statements and supporting documentation on new commercial and commercial real estate loans.
• Where applicable, utilize automated decision-making functions within the loan origination system to assess risk and decision loan requests.
• Prepare Commercial Offering Memoranda using the loan origination system, Excel spread sheets and Word documents, to support the loan decision-making process.
• Periodically review and analyze updated financial statements and supporting documentation to confirm the risk rating on existing commercial and commercial real estate loans.
• Discuss perceived credit weaknesses or potential credit problems with the Lender, other Credit Officers or Director of Credit Administration.
• Make risk rating recommendations as appropriate.
• Remain well-informed and up-to-date on regulatory guidelines and Bank policies.
• Assist in training of other members of the Credit Department or business line partners.
• Maintain open communication channels between Credit, Lenders and Management by updating workflows and pipeline reports, using these tools to maintain transparency throughout the underwriting process.
• When appropriate, accompany Lenders to meet with customers and prospects.
• As required participate in, or lead, a commercial credit-related project.
• Develop expertise in specialty areas of commercial credit analysis and provide guidance to other analysts in these areas.
• Collaborate with others within the department in managing department workflows, assigning work or coordinating underwriting, training and ongoing monitoring for specialty credit areas.

Basic Qualifications

• Equivalent to a four-year college degree, preferably in Business Administration or a related field.
• Competency in financial accounting.
• Minimum seven years related work experience in Credit; C&I underwriting experience preferred.

Skills and Abilities

• Strong written and oral communication skills, including the ability to translate complicated financial metrics into a concise assessment of risk
• Interpersonal skills, such as coaching, mentoring and negotiating
• Ability to work independently and solve complex issues with minimal guidance
• Ability to work effectively at a fast pace with competing interests and due dates

Supervisory Skills

• Project-based supervision or assistance in supervising people

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.

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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.

Learn more about why employees love working at Camden National Bank!