Commercial Portfolio Manager

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Position Summary

Under the direction of the Commercial Administration Manager the Commercial Portfolio Manager I partners with designated Commercial Banking Officers and Directors of Commercial Banking to successfully manage and maintain commercial loan relationships. The Portfolio Manager I applies their underwriting skills to ensure adherence to loan policy, financial analysis, risk evaluation and continued portfolio maintenance activities for an assigned portfolio of commercial loan customers. The Portfolio Manager I, will also work directly with commercial loan customers and prospects often as the primary contact through the loan origination process, solving issues as they arise and any other customer requests as needed.

Essential Duties and Responsibilities

• Monitor the performance of existing commercial customers within an assigned portfolio to ensure compliance with covenants, financial condition and risk rating.
• Discuss any perceived weakness or potential credit problems with the Banking Officer, Director of Commercial Banking and / or other appropriate parties.
• Independently request and follows up in a timely manner the borrowers' submission of financial information on a monthly, quarterly or annual basis as it applies.
• Analyze work to conform to regulatory guidelines and Bank policies. Ensure compliance with applicable regulations including, but not limited to, Reg B and HMDA.
• Assist the Commercial Banking Officers with more advanced transactions including preparing loan requests for the underwriting process.
• Assist commercial banking officers with preparation for loan closings; reviews loan documentation, ensures closing conditions are satisfied, coordinates the closing, attends the loan closing, creates post-closing memos and any follow-up items with attorney as necessary.
• Prepare term sheets and commitment letters in accordance with the approval document.
• Assist with any renewals or modifications to existing loans within the assigned portfolio.
• Work directly with customers and Commercial Banking Officers on construction disbursement requests ensuring required documentation is obtained.
• Perform routine, thorough annual reviews of relationships in an assigned loan portfolio to ensure accurate risk grades and data integrity at all times.
• Perform site inspections as required.
• Train new team members as needed.

Basic Qualifications

Preferred Qualifications

Skills and Abilities

Supervisory Skills

Career Path and Job Family

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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We Are Guided And Inspired By Our Core Values

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.

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