Credit Analyst III

at Camden National Bank in Bangor, Maine, United States

Job Description

  • Position Summary: 

    This position is responsible for underwriting commercial loans in accordance with loan policy as set by the Corporation.  This includes the credit analysis, structuring and underwriting of new loans as well as reviewing existing credits. 


    Essential Duties and Responsibilities: 

    • Underwrite new commercial loan requests for commercial loan relationships up to $500,000 and render decisions in adherence with Bank lending policy.  Includes performing cash flow and underwriting analysis.

    • Prepare appropriate reports to assist in the loan decision-making process.

    • Spread, review and analyze updated financial statements and supporting documentation on existing commercial and new commercial real estate loans.

    • Work closely with commercial lenders to ensure open communication regarding the customer and to ensure accurate file documentation.

    • Discuss any perceived credit weaknesses or potential credit problems with the Relationship Manager, Credit Manager, and/or Director of Credit Administration.

    • Analyzes work to conform to regulatory guidelines and Bank policies.  Ensure compliance with applicable regulations including, but not limited to, Reg B and HMDA.


    Basic Qualifications

    • Bachelor’s degree in a related discipline from a four year college or university.  Six months to 2 years credit analysis or similar work experience.

    Skills and Abilities: 

    • Strong oral and verbal communication skills. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization

    • Ability to work independently with direct supervision

    • Effectively raises concerns in an effort to solve complex issues

    • Ability to work effectively at a fast pace with competing interests and due dates, but can still maintain a timely turnaround time


    Supervisory Skills: 

    • N/A


    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.

  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. To view full details and how to apply, please login or create a Job Seeker account
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Job Posting: 609040

Posted On: Sep 20, 2021

Updated On: Sep 20, 2021