Mortgage Underwriter I

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.

Get to know us:

• 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.​

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Underwrites conventional (purchase and refinanced) mortgage and portfolio/land loan transactions. 

The essential functions are noted below; however, at Camden National responsibilities may evolve over time given organization, technological and/or staffing changes.  At any point other duties may be assigned.

This position offers the flexibility to work remotely from home in Maine or New Hampshire.

Essential Duties and Responsibilities include the following.

• Underwrites loans to render a lending decision, with the ability to decision conventional (purchases/refinances) and portfolio/land loans up to $250,000.
• Develops and maintains a working knowledge of: Camden National loan policy, AllRegs, LOS (Encompass) system, retail compliance regulations, etc.
• Conducts appraisal review, denial reviews and cash flow.
• Attend training as required, including but not limited to MGIC and Fannie/Freddie.
• Review files for compliance, data integrity and completeness.

Supervisory Responsibilities                                                    

This job has no supervisory responsibilities.

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience                                                   

Associate's degree (A. A.) or equivalent from two-year college or technical school; six months to one year of similar or related experience.  Position requires knowledge in a specialized area.  Working knowledge of financial, commercial and/or technical practices required to fulfill the diverse requirements of the position.

Language Skills                                                

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.  Ability to write routine reports and correspondence.  Ability to speak effectively before groups of customers or employees of organization.

Mathematical Skills                                                     

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.  Ability to apply concepts of basic algebra and geometry.

Reasoning Ability                                             

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit. The employee is frequently required to use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds.

Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

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Our comprehensive total rewards package offers something for everyone!

• 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

Pursue a career at Camden National Bank and apply today.  We can't wait to hear from you!

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We are guided and inspired by our Core Values:

• Honest and Integrity above all else
• Trust built on fairness
• Service that creates remarkable experiences
• Responsibility to use our resources for the greater good
• Excellence through hard work and lifelong learning
• Diversity realized through inclusion and respect

Equal Opportunity Employer

Employment with Camden National is on an at-will basis, meaning employment is not guaranteed for any specific period of time, and any employment relationship established may be terminated by either party at any time, for any reason, with or without notice. Completion of an employment application is not a contract, express or implied, guaranteeing employment. Camden National 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.

Learn more about why employees love working at Camden National Bank!​