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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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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: 

• 1-2 years of commercial underwriting experience with the capacity to evaluate strengths and weaknesses of a wide variety of credit facilities

• Knowledge of commercial banking products including but not limited to construction lending, asset based lines of credit and letters of credit

Preferred Qualifications:

• Extensive knowledge of commercial lending policy including all applicable regulations and laws

• 3 + years of commercial banking experience

• Bachelor’s degree (B.A.) from a four year college or university

Skills and Abilities:

• Ability to think critically and approach challenges and issues with a problem solving mindset

• Strong collaboration skills to effectively work with groups or individuals across the organization to effectively manage commercial relationships

• Perform functions of the role with minimal oversight and minimal supervisory intervention

• Ability to wor