Underwriting Manager

Live here. Play here. Bank here. Work here. 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.

• 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.

The Underwriting Manager will lead a team of underwriters at Camden National Bank, ensuring sound credit decisioning, consistent application of bank policy and agency requirements, loan quality, and staff development.

• Manage daily operations of the underwriting department, providing scenarios, credit decisions, and recommendations for complex cases.
• Oversee a team of underwriters who render lending decisions on Conventional, Portfolio, FHA, VA & RD loans.
• Provide oversight of the Consumer Lending Department, including lending operations, credit decisioning, policy adherence, workflow management, and staff development.
• Develop and maintain in-depth knowledge of Camden National Bank Loan Policy, Department procedures, mortgage products, loan documentation, compliance‑related regulations, real estate industry terminology and practices, loan structure, etc.
• Ensure compliance with all relevant banking laws, regulations, and internal policies, including fair lending practices.
• Maintain quality business relationships with investors, AMC/appraisers, settlement agents, and brokers.
• Effectively communicate policies, procedures, regulations, and/or investor overlays.
• Obtain CNB Retail Loan Authority and utilizes in‑depth knowledge of loan structure.
• Participate in and develop training on industry‑and bank‑specific topics and procedures.

• Minimum of 7-10 years of experience in mortgage underwriting, with at least 3-5 years in a leadership or management role within a banking or financial institution

• Encompass experience

• Excellent analytical, decision‑making, and problem‑solving skills
• Demonstrated ability to lead, motivate, and develop a team of professionals
• Exceptional communication (written and verbal) and interpersonal skills
• Proficiency in loan origination systems and Microsoft Office Suite
• Ability to work effectively in a fast-paced, deadline‑driven environment

• Directly supervise staff in the Retail Production and Consumer Lending departments
• Carry out supervisory responsibilities in accordance with the organization’s policies and applicable laws
• Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems

The statements contained herein reflect general details as necessary to describe the principle functions for this job, the level of knowledge and skill typically required, and the scope of responsibility, but should not be considered an all‑inclusive listing of work requirements. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or to equalize peak work periods to balance workloads.

We encourage candidates to consult with their Talent Partner throughout the recruiting process to better…