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Camden National Bank · 4 hours ago

Portfolio Manager Commercial Real Estate Division

Portland, ME

Full-time

Onsite

Mid, Senior Level

3+ years exp

Camden National Bank is a community bank committed to providing excellent customer service and supporting its communities. The Portfolio Manager for the Commercial Real Estate Division is responsible for managing loan account relationships, evaluating customer loan requests, and ensuring compliance with loan policies.

Banking

Growth Opportunities

Responsibilities

Interview loan applicants, collect and analyze information which reflect credit worthiness of customer and merits of new loan requests and existing loans

Serve as the first point of contact in communication and resolving issues for existing customers

Assist 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

Establish and negotiate loan terms under the supervision of a commercial banking officer

Monitor reports and follow existing loans to ensure conformity with terms, monitor portfolio to identify developing trends. Oversee loan payments and take necessary measures to collect past due accounts

Ensure appropriate risk ratings, maintain current file memoranda, financial statements, and condition of electronic credit files

Review and analyze financial statements and collateral evaluations, detailed DSCR review

Review construction requisitions and Conduct Site Inspections

Assist with analyzing financial and covenant tracking reports and testing of complex covenants

Review loan documents

Qualification

Commercial Real EstateCredit AnalysisLoan Policy KnowledgeComplex Loan StructuresFinancial Statement ReviewAnalytical SkillsCommunication SkillsProblem Solving

Required

Bachelors' / 4-year college degree or equivalent to 3-5 yrs. in Commercial Banking and/or pertinent commercial real estate experience, including credit analysis and/or commercial credit underwriting

Extensive Knowledge/Experience in Commercial Real Estate and/or Commercial Real Estate financing

Extensive knowledge of loan policy

Experience with Complex Loan structures, Large Dollar loans and portfolios and high net worth borrowers

Ability to solve complex financial data sets and review complex financial portfolio data

Ability to manage Commercial Portfolios of $200 million or more

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions and percentages

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form

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

Excellent communication skills and strong analytical skills

Benefits

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

Company

Camden National Bank

Camden National Bank is a full-service community bank offering the latest digital banking, complemented by award-winning, personalized service through a network of 73 banking centers throughout New Hampshire and Maine.

Founded in 1975

Camden, Maine, USA

501-1000 employees