Community Banker

Camden National Bank • Portsmouth, NH

1d • $78,550 - $116,800

About The Position

The Community Banker II acquires, develops, and manages consumer and small business relationships within an assigned territory. The role actively pursues home equity, mortgage, and small business loans, as well as deposits, and identifies referral opportunities through ongoing sales activity. It also involves participating in community events and developing relationships with centers of influence.

The position serves as a subject matter expert in small business lending and state and federally backed residential loans, structures more complex loans, and guides customers through loan applications and closings. The Community Banker analyzes applicants' financial profiles, credit, and property evaluations, manages a portfolio, and works with other business lines to meet customer needs and production goals. Significant travel within the assigned territory is required, using a personal vehicle; occasional evening and weekend obligations are expected.

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 number or ability to obtain one.
• 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.
• Willingness 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, including the ability to present engagingly, reach audiences, and build trust.
• Goal-oriented, dedicated, and focused on attainment while providing exemplary customer service.
• Organized, articulate team collaborator who works efficiently and seeks 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 home equity, mortgage, and small business loans and deposits, and identify referral opportunities through ongoing sales activity.
• 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 relationships with consumers and small businesses to identify opportunities and assess banking needs.
• Guide customers through loan applications and closings, including providing updates and guidance on document collection and next steps, while ensuring regulatory compliance.
• 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 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.
• Develop and maintain community advocacy through centers of influence and community service.
• Manage a portfolio of consumer and small business customers in designated 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 significantly within the assigned territory, using a personal vehicle, and accommodate occasional night and weekend obligations.

Benefits

• Medical, dental, and vision insurance packages.
• Generous 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