The Commercial Portfolio Manager is a “credit oriented” position 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 guarantors 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
• Will act as a liaison between the assigned lending team and the Credit Administration/Operations Department for portfolio management/credit related processes.

Minimum Qualifications:

• Bachelors Degree in Business, Accounting, Finance, Economics or equivalent experience
• FormalCredit Training or equivalent work experience
• Minimum 5 years prior Commercial Credit Analysis required, Portfolio Manager experience preferred
• Commercial Real Estate & Construction analysis experience required

Benefits & Culture

Our goal is to offer our colleagues the most generous benefits package possible. We provide a comprehensive suite of benefits designed to support your health, financial security, and overall, wellbeing. Benefits include: competitive compensation with performancebased incentive awards, health and dental insurance, a 401(k) and DC retirement plan, LTD and life insurance, paid vacation, day care reimbursement, tuition assistance for undergraduate and graduate programs, an awardwinning wellness program, and much more!

At Rockland Trust, youll find a respectful and inclusive environment where everyone has the opportunity to succeed.