Commercial Portfolio Manager

(Camden, Portland, Bangor or Gardiner, ME)

Summary

Provides service and support to commercial loan customers and commercial banking officers. Assists in the development and management of loan account relationships, which comply with established loan policies. Responsible for examination, evaluation, and authorization of customer loan requests. The essential functions are noted below; however, at Camden National responsibilities may evolve over time given organization, technological and/or staffing changes. At any point other duties may be assigned.

Essential Duties and Responsibilities include the following.

• Working knowledge of loan policy
• Interviews loan applicants, collects, and analyzes information which reflect credit worthiness of customer and merits of new loan requests and existing loans
• Serves as the first point of contact in communication and resolving issues for existing customers
• Assists commercial banking officers to prepare for loan closings, such as completing the commercial loan input form, coordinating the closing, attending the loan closing, post-closing memos, follow-up items with attorney if necessary, etc.
• Establishes and negotiates loan terms under the supervision of a commercial banking officer
• Monitors reports and follows existing loans to ensure conformity with terms, monitors portfolio to identify developing trends. Oversees loan payments and takes necessary measures to collect past due accounts
• Ensures appropriate risk ratings, maintains current file memoranda, financial statements, and condition of electronic credit files
• Reviews and analyzes financial statements and collateral evaluations, detailed DSCR review
• Reviews construction requisitions
• Assists with financial and covenant tracking report
• Reviews loan documents

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor's degree (B. A.) from four-year college or university; 3+ years commercial banking experience, including credit analysis

Language Skills

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.

Mathematical Skills

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning Ability

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Other Skills and Abilities

• Excellent communication skills
• Strong analytical skills
  
  

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.