Commercial Portfolio Manager (CRE)

Rockland Trust is a fullservice commercial bank and financial services company committed to helping our neighbors reach their financial goals. Founded in 1907 and headquartered in Massachusetts, we proudly serve individuals, families, and businesses throughout New England with a strong emphasis on personal relationships, local decisionmaking, and community impact.

With a broad range of banking, wealth management, and investment solutions, Rockland Trust combines the resources of a growing financial institution with the personalized service of a community bank. Our longstanding philosophy-Where Each Relationship Matters-guides how we work with our customers, colleagues, and communities every day.

At Rockland Trust, our employees are at the heart of our success. We foster a collaborative, inclusive, and valuesdriven culture that encourages professional growth, innovation, and worklife balance. We are deeply committed to community involvement, financial education, and creating a workplace where individuals can build meaningful, longterm careers.

The Commercial Portfolio Manager is a "credit oriented" position responsible for the preparation of effective analyses, risk administration, and making independent credit recommendations, with a particular emphasis on adherence to credit policy, financial analysis, risk assessment, ongoing portfolio maintenance, and maintaining risk ratings to ensure quality and soundness for credit transactions. The PM works with a specified group of loan officers broken out by lending center and reports directly to the Commercial Credit Officer.

Responsibilities

• Completes due diligence and prepares analysis of commercial borrowers and prospects, including compiling financial and business data and spreading financial statements for modest and complex transactions.
• Assesses risk and makes independent credit recommendations, including but not limited to evaluating obligor risk ratings on both new and existing relationships providing input in the loan decisioning process.
• Maintains timely renewals of loan maturities, covenant compliance, and annual reviews for assigned lending team.
• Continuously monitors existing loans and credit lines to ensure compliance with terms and proactively manages risk/exposure and compliance with Credit Policy for assigned portfolio
• Identifies early client risk/exposure, early detection of volatile industries and markets for assigned portfolio within designated region to proactively minimize potential losses.
• May interact by phone/email/in person with existing and potential customers on credit or risk related matters.
• May identify cross-sell opportunities

Core Competencies:

• Ability to make lending recommendations, which are based on the analysis of the business' and guarantor's ability to repay, collateral analysis, loan structure, and other credit considerations
• Ability to communicate effectively with colleagues, customers, and third parties to ascertain and address risk in both new opportunities and existing loans
• Will act as a liaison between the assigned lending team and the Credit Administration/Operations Department for portfolio management/credit related processes.

Minimum Qualifications:

• Bachelor's Degree in Business, Accounting, Finance, Economics or equivalent experience
• Formal Credit Training or equivalent work experience
• Minimum 5 years' prior Commercial Credit Analysis required, Portfolio Manager experience preferred
• Commercial Real Estate & Construction analysis experience required

Benefits & Culture

Our goal is to offer our colleagues the most generous benefits package possible. We provide a comprehensive suite of benefits designed to support your health, financial security, and overall, wellbeing. Benefits include: competitive compensation with performancebased incentive awards, health and dental insurance, a 401(k) and DC retirement plan, LTD and life insurance, paid vacation, day care reimbursement, tuition assistance for undergraduate and graduate programs, an awardwinning wellness program, and much more!

At Rockland Trust, you'll find a respectful and inclusive environment where everyone has the opportunity to succeed. We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Pay Transparency

Compensation for this role will be based on a variety of factors, including skills, experience, education, internal equity, and, for revenue-generating roles, the achievement of individual and/or team production goals. The salary range posted reflects the company's good faith estimate of the range or this position at the time of posting. Actual compensation may vary. In addition to base salary, certain positions may be eligible for additional compensation, including commissions, incentive awards or stipends.

Accessibility & Accommodations

We are committed to providing reasonable accommodations to enable individuals with disabilities to perform the essential functions of their roles.