Commercial Portfolio Manager - Braintree

Rockland Trust is currently seeking a Commercial Portfolio Manager to join the team in Braintree.

Rockland Trust is currently seeking a Commercial Portfolio Manager experienced in CRE to join our team in the Braintree Lending Center.

The Portfolio Manager (PM) role is a credit oriented role 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


* Act as a liaison between the assigned lending team and the Credit Administration/Operations Department for portfolio management/credit related processes.

 Minimum Qualifications:


* Formal Credit Training or equivalent work experience


* 3+ Years Commercial Credit Analysis and/or Portfolio Manager experience 


* Bachelor’s Degree in Business, Accounting, Finance, Economics or equivalent experience.


* Prior SBA underwriting experience is desirable, but not required

Our goal is to offer our colleagues the most generous benefits package possible.

We strive to provide colleagues with a comprehensive benefits package and an environment that supports a healthy work-life balance.

Benefits include...