Community Banker

Camden National Bank • Portsmouth, NH

5d

About The Position

The Community Banker II acquires, develops, and manages consumer and small business relationships within an assigned territory. The role actively pursues new home equity, mortgage, and small business loans and deposits, generates referrals through ongoing sales activities, and participates in community events and the development of centers-of-influence relationships.

The position serves as a subject matter expert in small business lending and state and federal government-backed residential loans, and structures and works through larger, more complex loans. It guides customers through loan applications and closings, analyzes financial and credit profiles and property evaluations, and works with the Credit Department as needed. The Community Banker manages a customer portfolio, pursues sales and referral goals, collaborates across business lines, and maintains knowledge of bank products, procedures, regulations, and the competitive landscape. Significant travel within the assigned territory is required, using a personal vehicle; occasional evening and weekend obligations apply.

Requirements

• Bachelor’s degree from a four-year college or university.
• At least 5 years of related experience and/or training in retail banking, business sales, and/or lending.
• Proven sales success and understanding of the sales process and business life cycle.
• NMLS registration or ability to obtain it.
• Maintain a community network of realtors, Certified Public Accountants, and small business owners.
• Self-motivated, goal-oriented, and driven to provide exemplary customer service and achieve referral goals.
• Demonstrable proficiency with Microsoft Office and computer systems.
• Flexibility to perform work outside regular responsibilities to meet business needs.
• Commitment to ethical conduct, integrity, and honesty.
• Ability to read, write, and interpret reports, financial statements, and correspondence.
• Strong communication skills; ability to present engagingly, reach audiences, and build trust.
• Sales-goal oriented, dedicated, and focused on goal attainment while providing exemplary customer service.
• Organized, articulate team collaborator who works efficiently and looks for process improvements.

Nice To Haves

• Undergraduate degree in business.
• Business development and/or portfolio management experience, including experience guiding customers through complex transactions involving multiple meetings and negotiations.
• Proven track record originating both consumer and business loans.
• Established and successful community network of realtors, Certified Public Accountants, and small business owners.

Responsibilities

• Acquire, develop, and manage consumer and small business relationships within the designated territory.
• Pursue new home equity, mortgage, and small business loans and deposits, and seek referral opportunities through ongoing sales activities.
• Serve as a subject matter expert in small business loans and state and federal government-backed residential loans; structure and work through larger, more complicated loans.
• Cultivate consumer and small business relationships to identify opportunities and assess banking needs.
• Guide customers through loan applications and closings, provide status updates and guidance on document collection and next steps, and ensure compliance with applicable regulations and laws.
• Analyze applicants’ financial profiles, credit, and property evaluations to assess loan feasibility, or submit applications to the Credit Department for verification and recommendations.
• Meet or exceed established goals for loans, deposits, referrals, and ancillary services.
• Participate in business development meetings with other business lines to identify prospects and opportunities.
• Schedule frequent preset appointments with consumer and small business customers to maintain high activity levels.
• Develop and maintain community advocacy through centers of influence and community service.
• Manage a portfolio of consumer and small business customers in assigned markets.
• Collaborate and partner across business lines to support customer experience and production goals.
• Update the CRM and sales tracker weekly.
• Maintain working knowledge of bank products and services and awareness of the competitive landscape.
• Follow operating policies and procedures and support the Bank’s compliance with external regulatory requirements.
• Travel within the assigned territory using a personal vehicle, with occasional evening and weekend obligations.

Benefits

• Medical, dental, and vision insurance packages.
• Paid time off, including paid federal holidays and a paid day off for the employee’s birthday.
• 401(k) retirement savings plan.
• Tuition reimbursement.
• Professional development and career growth opportunities.
• Employee assistance program.
• Comprehensive wellness program.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level