Credit Risk Manager Jobs in Portland, ME (NOW HIRING)

Androscoggin Bank, a values driven, mutual savings bank based in Lewiston, Maine, has an opening for a Commercial Loan Portfolio Manager to join our team.
Our culture is one where we work collaboratively with clients and business partners to answer questions and assist in arriving at the most effective and efficient resolution to reasonably comply with regulatory requirements and do what is right for the client. The difference here is the great team you will work with and the ability to work in a local business with local decision making-where employees and clients come first!
In keeping with our client first purpose, our ideal candidate will understand the needs of our client and community goals and have experience as a Commercial Portfolio Manager within the Bank's market area.
Responsibilities for this role include:

• Works closely with commercial lenders to provide support, servicing and analysis of the existing loan portfolio. This includes assisting with resolution of internal and external issues, loan structuring and credit underwriting, review of loan documentation, and assessing risk.
• Supports new loan origination by obtaining financial and other documents to determine the general creditworthiness of the applicant and the merits of the specific loan request. Works with commercial lenders to create appropriate loan structure, assess creditworthiness, and present recommendations as needed. Assists with credit analysis duties when necessary or practical.
• Serves as a secondary point of contact in communication and resolves issues for existing customers. May initiate customer contact for line renewals and collection of financial reporting.
• Acts as the primary liaison with Credit during the underwriting process by providing supporting information about the terms under which credit will be extended, including the costs, repayment method, and collateral requirements. Also, collects and analyzes information that reflects the current creditworthiness of customers or prospects. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, and other means.
• Coordinates loan closings in conjunction with Loan Processing and attorneys, ensuring compliance with loan approval. Prepares commitment letters, reviews all relevant documentation, ensures pre-closing conditions are met, and directs finalization of loan related documents.
• Assists the commercial lending staff with risk rating evaluations, annual reviews, credit memos, site visits, call reports, loan covenant testing, insurance and document deficiency resolutions.
• Promotes the Androscoggin Bank Brand by following proper protocol, recommending products and services, supporting our community focus & commitment to being a premier employer.
• Investigates and assists commercial lenders in the collection of past due accounts and overdrafts.
• Effectively uses analytical skills to solve technical, as well as, non-technical problems.
• Participates in community affairs to increase the bank's visibility and to enhance new business opportunities.
• Complies with all banking related laws and regulations communicated to the employee through training and/or written correspondence and those requirements reflected in the Bank's policies and procedures applicable to the employee's duties and/or areas of responsibility. Protects all customer information and institution assets and complies with privacy and acceptable use policies.
• Undertakes other duties and special projects relating to departmental services as assigned by the Director of Commercial Credit & Client Support or Chief Lending Officer.

Qualifications:
Bachelor's degree (B.A.) from four-year college or university; or five to ten years related experience and/or training; or equivalent combination of education and experience.
Other Qualifications:

• Requires a minimum of 1+ years of bank lending portfolio officer or lending related experience.
• Demonstrated knowledge of commercial underwriting and credit analysis,
• Strong analytical skills and ability to effectively structure loans
• Proven knowledge of commercial documentation
• Represents bank in professional manner
• Some ability to cross-sell other bank products and services
• Willingness to travel and work a flexible schedule to meet customer needs
• Demonstrated ability to work with high degree of accuracy and detail
• Must have a valid drivers license
• Proven communication and interpersonal skills.
• Ability to adapt to change.

Benefits
This position carries great benefits, including paid time off, holiday pay, 401k participation with a generous match (we put money in your 401k even if you don't!), and access to Androscoggin Bank's full insurance benefit package (medical, dental, vision, life, and disability). Androscoggin Bank offers paid parental leave to our employees, which grants new mothers and fathers six weeks of full pay! We also provide paid volunteer time to all employees.
Hoping you could advance your career and your education? We can help. Androscoggin Bank is committed to supporting employee development, and employee benefits include tuition and education reimbursement.
Do you wish you could be more involved and connected in your company, beyond the level of your department? Androscoggin Bank offers that to you. Project teams, committees, events, in-house education, and more. It's an amazing place to work.
And, you get to work with some of the smartest, most dedicated, heart-felt people you will ever meet!
We are deeply proud that Androscoggin Bank recently achieved B Corp Certification. This means we'll continue to use profit to power our purpose, rather than serving as the purpose itself. We'll serve the best interests of our clients, our employees and our communities, while also honoring our environment. Learn more about it here - https://www.androscogginbank.com/bcorp/
Androscoggin 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.
EOE/Minorities/Females/Vet/Disabled
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.