Portfolio Risk Officer

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.

Position Summary

The primary objective of this role is to analyze, monitor, and report on credit risk across the Bank’s loan portfolio, translating data from the loan level to the portfolio level to support strategic and tactical decision-making.

This position provides insights that influence portfolio management, risk mitigation strategies, and overall financial performance.

The role requires collaboration with stakeholders across the organization, including Executive Leadership Team members, lending and credit leaders, Finance, Risk Management, Loan Operations, Loan Review, Internal Audit, Compliance, Treasury, Information Technology, and Data Governance.

The position also supports interactions with external stakeholders, including regulators, auditors, investors, consultants, and rating agencies.

Responsibilities


* Conduct in-depth analysis of 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, providing actionable insights to support proactive risk management.


* Prepare and deliver portfolio risk reports and presentations for executive leadership, Board committees, and other key stakeholders.


* Communicate portfolio performance, asset quality, and credit risk findings through clear written reports and presentations.


* Partner with cross-functional teams to support external reporting requirements for regulators, investors, analysts, and auditors.


* Develop and enhance risk analytics, reporting tools, and portfolio monitoring frameworks to support strategic decision-making.


* Support portfolio stress testing, sensitivity analysis, and scenario modeling to assess portfolio resilience under varying economic conditions.


* Assist in the quarterly Current Expected Credit Loss (CECL/ACL) estimation process.


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