Credit Officer

About the role

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.

Career path options include Commercial Portfolio Manager, Commercial Lender, Special Assets Officer.

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.