CBUD Portfolio Manager I - Rockland Trust

Rockland Trust is seeking a Portfolio Manager to join the Business Banking/Commercial Portfolio Management team! Using a combination of quantitative tools and traditional credit analysis, the Portfolio Manager employs his/her commercial credit experience, sound judgement, and pragmatism to administer and manage risk of a large portfolio of C&I and investment real estate relationships with total credit exposures up to $3,000,000.

Description:

• Timely renewal of all loans in assigned portfolio through effective and efficient underwriting, and diligent follow-through
• Succinctly analyze and underwrite renewals, modifications, restructures, etc., balancing the need to mitigate risk and customer satisfaction
• Leverage data (e.g. line utilization, deposit trends, credit scores, etc.) to identify and mitigate potential/emerging risk
• Accurately identify and apply credit policies, judiciously recommending approval of reasonable exceptions where the overall credit profile fits within the bank’s risk tolerance, assign risk rates timely and accurately
• Collaborate with customers and/or relationship management team to obtain required financial statements and other information
• Manage higher risk relationships, facilitate transfers to workout, as necessary
• Negotiate with customers to restructure debt or take other actions, to mitigate higher risk credits
• Work in partnership with Credit Operations and colleagues to ensure completion of all pre-closing activities
• Work with Loan Operations, as necessary, to ensure data integrity, resolve issues
• Assist borrowers with various servicing requests, (release collateral, guarantors, etc.)
• Review and address key data integrity processes and reports
• Represent the Portfolio Management Team in various technology, process improvement, or other initiatives, as needed, to improve the speed, efficiency, or operational integrity of the team.
• Respond to audits, regulatory exams, and other third party reviews.

Required Skills:

• Strong financial analysis skills
• Ability to interview customers to develop information concerning their business, needs, abilities and earnings to determine whether the loan is an acceptable risk to RTC
• Persuasive verbal and written communication skills
• Ability to discern risk with limited and/or subtle information
• Diligent organization and follow-through
• Sound judgment
• Strong ability to collaborate and negotiate with internal colleagues and customers
• Proficiency with Excel and Word
• Report writing skills

Required Experience:

• Bachelors degree, in Accounting, Finance or Economics preferable
• At least five years direct experience in a Commercial Lending environment
• Formal Bank Credit Training desired

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: Competitive compensation with performance incentive awards, Health Insurance, Dental Insurance, a 401K and DC Plan for your retirement, LTD & Life Insurance, Vacation Time, Day Care Reimbursement, Tuition Assistance for graduate and undergraduate programs, an Award Winning Wellness program and much more!

At Rockland Trust you'll find a respectful and inclusive environment where everyone is given the chance to succeed. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.