Credit Officer

Camden National Bank

. Spread and thoroughly analyze financial statements and supporting documentation on new commercial and commercial real estate loans using the Bank’s loan origination system .

Posted 9/15/2026full-timePortland • Maine • United StatesMid-LevelSenior💰 $78,550 - $116,800 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial statement analysis and risk assessment within commercial lending, utilizing loan origination systems and Excel for effective decision-making. Strong communication and interpersonal skills are essential for collaborating with lenders and training team members.

Highest-signal resume keywords

Financial Statement AnalysisRisk AssessmentLoan Origination System ProficiencyStrong Written And Oral CommunicationCoaching And Mentoring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial AccountingRisk Rating RecommendationsCommercial Offering Memoranda PreparationExcel SpreadsheetsWord DocumentsAutomated Decision-Making FunctionsPipeline ReportingCredit AnalysisRegulatory Guidelines KnowledgeCommercial Credit Projects

Soft Skills

Interpersonal SkillsNegotiatingProblem SolvingIndependent WorkFast-Paced Work Adaptability

Tools & Technologies

Loan Origination SystemExcelWord

Industry Keywords

Commercial LoansCommercial Real Estate LoansCredit AdministrationCredit OfficersFinancial Metrics

About the role

Key responsibilities & impact

Spread and thoroughly analyze financial statements and supporting documentation on new commercial and commercial real estate loans using the Bank’s loan origination system
Utilize automated decision-making functions within the loan origination system to assess risk and decide loan requests where applicable
Prepare Commercial Offering Memoranda using the loan origination system, Excel spreadsheets and Word documents
Periodically review and analyze updated financial statements and supporting documentation to confirm risk ratings on existing commercial and commercial real estate loans
Discuss perceived credit weaknesses or potential credit problems with Lenders, other Credit Officers or the Director of Credit Administration
Make risk rating recommendations
Remain informed and up-to-date on regulatory guidelines and Bank policies
Assist in training Credit Department members or business line partners
Update workflows and generate pipeline reports to maintain transparency throughout the underwriting process
Accompany Lenders to meet with customers and prospects when appropriate
Participate in or lead commercial credit-related projects
Develop expertise in specialty areas of commercial credit analysis and provide guidance to other analysts

Requirements

What you’ll need

Equivalent to a four-year college degree
Competency in financial accounting
Minimum five years related work experience
Strong written and oral communication skills, including the ability to translate complicated financial metrics into a concise assessment of risk
Interpersonal skills, such as coaching, mentoring and negotiating
Ability to work independently with minimal guidance
Ability to solve complex issues with minimal guidance
Ability to work effectively at a fast pace with competing interests and due dates
College degree in Business Administration or a related field (preferred)

Benefits

Comp & perks

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