Commercial Portfolio Manager

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 role is credit orientated reporting on a solid-line basis to the Commercial Credit Officer. Portfolio Managers typically support designated Lending Officers and use their credit skills to underwrite and manage a portfolio of loans. Performance reviews are prepared by the Commercial Credit Officer with input from the Regional Manager and Lending Officers. Office location is in Braintree with hybrid schedule flexibility.

Responsibilities:

• Under the direction and review of the Commercial Credit Officer, the PM is responsible for independently evaluating structure and underwriting loan exposure, ensuring appropriate compliance with all bank requirements;
• Commands a thorough and complete knowledge of the Bank's Loan Underwriting and Administration Guidelines (LUAG) and Credit Policy;
• Manages the approval and commitment process (e.g. Senior Loan Approval Committee) ensuring compliance with Credit Policy and accuracy of documents and supporting exhibits;
• Proactively manages credit risk and exposure for an assigned portfolio; initiates credit modifications and risk rating upgrading/downgrading, modifying terms and frequency of covenants, financial reporting, collateral security, audit schedule, etc;
• Maintains timely renewals of loan maturities for assigned lending team;
• Manages Covenant Compliance by monitoring, testing, and preparing waivers and reservation of rights letters when required;
• Facilitates borrower financial reporting submissions to Bank. Responsible for evaluating financial performance of borrower and determining an appropriate risk rating;
• Identifying early client risk/exposure, early detection of volatile industries and markets for assigned portfolio within designated region;
• Ensure the timely completion of credit file updates;
• Collaborates in coordinating pre-closing activities;
• At the direction of and with assistance of Lending Officer, interacts via phone/email and may visit in person with existing customers and prospects on credit or risk related matters;
• May identify cross sell opportunities.

Required Skills:

• Ability to make lending recommendations, based on analysis of the borrower's capacity to repay, collateral, management ability and character, projection analysis, industry trends and market position.
• Demonstrates an understanding and proficiency in working with loan documentation.
• Ability to conduct diligence sessions with borrowers as needed to develop information and determine whether the loan would be an acceptable risk to the Bank.
• Act as a Liaison between assigned lending team and the Credit Administration/Operations Department.

Required Experience:

• Three or more years of credit underwriting and portfolio management experience
• Bachelor Degree in Business, Accounting, Finance, Economics or equivalent.
• Formal Credit Training preferred.
• Generalist commercial credit experience highly preferred
• Ability to utilize deductive and inductive reasoning to solve problems.
• Ability to understand new information and apply it for future problem-solving and decision-making.

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, and internal equity. The salary range posted reflects the company's goodfaith estimate of the range for 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.