Credit Officer

## Credit OfficerApply: Hybrid (Remote/Office): ME, Portland, 1 Market Street: ME, Augusta, 130 Community Drive: NH, Bedford, 106 S. River Rd: ME, Camden, 2 Elm St: ME, Brunswick, Cooks Corner 6 Gurnet Rd: Full time: Posted Yesterday: R2556# Live here. Play here. Bank here. *Work here.*## 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.**\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_\\_****Position Summary:**The Credit Officer position provides an opportunity to work independently in your choice of geographic locations in Maine or New Hampshire, but with the support of a close-knit team. You will have the opportunity to make a difference by leading project teams or implementing process improvements. In addition, Credit Officers at the bank are responsible for coaching and mentoring junior 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.**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 generating 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.**Basic Qualifications***:** Equivalent to a four-year college degree.* Competency in financial accounting.* Minimum five years related work experience.**Preferred Qualifications:*** College degree in Business Administration or a related field**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 with minimal guidance* Ability to solve complex issues with minimal guidance* Ability to work effectively at a fast pace with competing interests and due dates**Supervisory Skills:*** N/A**Career Path and Job Family:*** Commercial Portfolio Manager* Commercial Lender* Special Assets Officer***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.***We encourage candidates to consult with their Talent Partner throughout the recruiting process to better understand how their experience aligns with the role, as well as details on compensation and our total rewards offerings. The prospective range of pay we will offer to a successful applicant to this position is $78,550.00-$116,800.00, which represents a good faith estimate of what we expect to offer at the time of posting based on the role’s responsibilities, level and location. Actual starting salary will be determined by the Bank in the Bank’s discretion, and shall depend on the applicant’s experience, skills, education, certifications, as well as other relevant business conditions. Final offers will reflect these considerations and may vary accordingly. #J-18808-Ljbffr