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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 t