Portfolio Risk Officer

Rockland Trust Company•Brockton, MA

20h

About The Position

The Portfolio Risk Officer analyzes, monitors, and reports on credit risk across Rockland Trust’s loan portfolio, translating loan-level data into portfolio-level insights to support strategic and tactical decision-making. The role provides analysis that informs portfolio management, risk mitigation strategies, and financial performance. The position works with stakeholders across executive leadership, lending and credit, Finance, Risk Management, Loan Operations, Loan Review, Internal Audit, Compliance, Treasury, Information Technology, and Data Governance. It also supports interactions with external stakeholders, including regulators, auditors, investors, consultants, and rating agencies.

Requirements

Bachelor’s degree in Finance, Economics, Business, Accounting, Statistics, or a related field.
Minimum 3–5 years of experience in portfolio risk analysis, credit risk management, analytics, or related roles within banking or financial services.
Strong understanding of commercial and consumer lending products, including Commercial & Industrial (C&I), Commercial Real Estate (CRE), residential mortgage, home equity, and consumer lending portfolios.
Ability to analyze complex financial and portfolio data and identify meaningful risk trends.
Excellent written, verbal, and presentation skills, including the ability to communicate complex concepts to senior leadership and diverse audiences.
Proficiency with Microsoft Office, particularly Excel and PowerPoint, and analytics and reporting tools such as SAS, Alteryx, Tableau, Power BI, or similar platforms.
Working knowledge of databases, data structures, and SQL.
Strong project management, organizational, and problem-solving skills.
Ability to build relationships and collaborate effectively across functions.

Nice To Haves

Advanced degree or professional certification, such as an MBA, CFA, FRM, or similar.

Responsibilities

Analyze the Bank’s commercial and consumer loan portfolios to identify trends, emerging risks, and opportunities.
Monitor portfolio performance and concentration risk across key lending segments and provide actionable insights for proactive risk management.
Prepare and deliver portfolio risk reports and presentations for executive leadership, Board committees, and other stakeholders.
Communicate portfolio performance, asset quality, and credit risk findings through written reports and presentations.
Partner with cross-functional teams on external reporting requirements for regulators, investors, analysts, and auditors.
Develop and enhance risk analytics, reporting tools, and portfolio monitoring frameworks.
Support portfolio stress testing, sensitivity analysis, and scenario modeling.
Assist with the quarterly Current Expected Credit Loss (CECL/ACL) estimation process.
Design, automate, and maintain reporting workflows to improve efficiency, accuracy, and scalability.
Develop dashboards, visualizations, and management reporting tools that turn complex data into business insights.
Maintain reporting procedures and documentation for consistency, accuracy, and business continuity.
Perform targeted portfolio reviews and deep-dive analyses of sectors, industries, or lending segments, including commercial real estate.
Support the development and monitoring of credit risk metrics, key performance indicators (KPIs), and key risk indicators (KRIs).
Participate in special projects, strategic initiatives, and ad hoc analyses.
Mentor junior analysts and interns and promote professional development and knowledge sharing.
Promote risk awareness, continuous improvement, and data-driven decision-making.