Commercial Portfolio Manager (C&I)

Rockland Trust Company•Burlington, MA

1d•Hybrid

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. The Commercial Portfolio Manager (C&I) role is credit oriented 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 Burlington with hybrid schedule flexibility.

Requirements

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.
Three or more years of credit underwriting and portfolio management experience, preferably in cash flow lending and sponsor finance.
Bachelor Degree in Business, Accounting, Finance, Economics or equivalent.
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.

Nice To Haves

Formal Credit Training highly preferred

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