CBUD Portfolio Manager

Rockland Trust Company•Brockton, MA

44d

About The Position

Rockland Trust is a full‑service 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 decision‑making, 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 long‑standing 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 values‑driven culture that encourages professional growth, innovation, and work‑life balance. We are deeply committed to community involvement, financial education, and creating a workplace where individuals can build meaningful, long‑term careers. Rockland Trust is seeking an experienced CBUD Portfolio Manager to join the Business Banking Portfolio Management team. Using a combination of quantitative tools and traditional credit analysis, the Portfolio Manager employs their commercial credit experience, sound judgement, and pragmatism to administer and manage risk of a large portfolio of C&I and investment real estate relationships with total credit exposures up to $3,000,000.

Requirements

Strong financial analysis skills
Ability to interview customers to develop information concerning their business, needs, abilities and earnings to determine whether the loan is an acceptable risk to RTC
Persuasive verbal and written communication skills
Ability to discern risk with limited and/or subtle information
Diligent organization and follow-through
Sound judgment
Strong ability to collaborate and negotiate with internal colleagues and customers
Proficiency with Excel and Word
Report writing skills
Bachelors degree, in Accounting, Finance or Economics highly preferred
At least five years direct experience in a Commercial Lending environment
Formal Bank Credit Training desired

Responsibilities

Timely renewal of all loans in assigned portfolio through effective and efficient underwriting, and diligent follow-through
Succinctly analyze and underwrite renewals, modifications, restructures, etc., balancing the need to mitigate risk and customer satisfaction
Leverage data (e.g. line utilization, deposit trends, credit scores, etc.) to identify and mitigate potential/emerging risk
Accurately identify and apply credit policies, judiciously recommending approval of reasonable exceptions where the overall credit profile fits within the bank’s risk tolerance, assign risk rates timely and accurately
Collaborate with customers and/or relationship management team to obtain required financial statements and other information
Manage higher risk relationships, facilitate transfers to workout, as necessary
Negotiate with customers to restructure debt or take other actions, to mitigate higher risk credits
Work in partnership with Credit Operations and colleagues to ensure completion of all pre-closing activities
Work with Loan Operations, as necessary, to ensure data integrity, resolve issues
Assist borrowers with various servicing requests, (release collateral, guarantors, etc.)
Review and address key data integrity processes and reports
Represent the PM team in various technology, process improvement, or other initiatives to improve the speed, efficiency, and operational integrity of the team
Respond to audits, regulatory exams, and other third party reviews.