What are the responsibilities and job description for the Credit Production Unit Manager position at Camden National Bank?
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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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The Commercial Production Unit Credit Manager (CPU Credit Manager) position is responsible for commercial credit underwriting and production on aggregate Bank commercial loan exposure up to $750,000. The position involves interaction with the Director of Credit Administration and Commercial Credit Manager, as well as commercial, business banking, and retail leadership.
Essential Duties and Responsibilities:
- Manage, coach, train and develop a group of Credit Analysts (I, II, and III).
- Underwrite total Bank commercial and commercial real estate loan requests up to $750,000, in adherence with Bank lending policy.
- Collaborate with and occasionally advise commercial, business banking, and retail leadership on loan structure, loan policy and various procedures.
- CPU Manager, with support from the Credit Manager/Director of Credit Administration, will lead ongoing training efforts for CPU analysts within the credit group and Community Banking Relationship Managers/Commercial Relationship Managers
- Discuss and resolve any perceived credit weaknesses or potential risks that direct reports may uncover in the underwriting process.
- Actively participate in external credit related exams and audits.
- Write or support the development of credit policies/revisions and procedures.
- Identify and introduce timely recommendations to improve underwriting results, both from a risk management and efficiency standpoint.
- Actively participate in various governance related tasks including but not limited to fair lending, loan pipeline management, and Reg B requirements.
- Collaborate with the Sageworks Administrator on any needed system enhancements or issues that relate to Credit Analysis.
- Provide support in assistance with the preparation of the Bank’s Vendor Review’s, Jumbo Mortgage Underwriting requests, and ACH reviews within the appropriate exposure monitored within the CPU Division.
- The CPU Manager will provide support to the Commercial Credit Group, as required, dictated by workflow volume.
- Program oversite for the Banks Auto Decision and Matrix Approval.
- Provide program oversight, accompanied by the Credit Manager/Director of Credit Administration, for credit enhancement programs (FAME, New Hampshire Business Finance Authority, SBA Express and SBA 7a) as required.
Basic Qualifications
- Bachelor’s degree and 5-7 years of related experience and/or training; or equivalent combination of education and experience
- Formal credit analysis training or the experience and educational equivalent
- Must possess a valid driver’s license
Skills and Abilities:
- Ability to work collaboratively at all levels of the organization
- Proven ability to successfully communicate, interact, and build effective relationships
- Strong leadership skills as demonstrated through direct or intangible experiences
- Successful track record of performance as an individual underwriter and through leading others, either formally or informally
- Make business decisions with the Bank’s goals and objectives in mind
- Able to effectively communicate before groups of people, both within and outside the organization. Is comfortable and effective in communicating upward
- Possess and demonstrate good project management skills. Has proven track record of leading or adding significantly to project teams, both within the region, on an organizational level, or even outside the bank on a volunteer basis
Supervisory Skills:
- The CPU Credit Manager will have direct reports that consists of up to several Credit Analysts (I, II, and III). The CPU Credit Manager is responsible for supervisory duties in accordance with the organization’s policies and applicable laws. Responsibilities include interviewing, hiring, training and developing employees; planning assigning and directing work efforts; performance reviews; rewarding and coaching employees; addressing complaints and resolving problems.
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.
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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!
Salary : $750,000
