Commercial Loan Officer

Rockland Trust; Boston (MA); On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

Competitive compensation

Performance-based incentives

Health and dental insurance

401(k) plan

DC retirement plan

LTD and life insurance

Paid vacation

Tuition assistance

Wellness program

Job summary

Rockland Trust is seeking a Commercial Loan Officer to build and manage banking relationships with commercial clients in the Boston area. You will source new business, structure and price loans, and cross-sell related financial services to support clients’ financing and cash-management needs.

The role emphasizes strong credit judgment, market knowledge, and proactive client engagement to grow a robust commercial lending portfolio within the community.

Qualifications

• Five years of commercial lending experience (C&I and CRE) preferred.
• Strong credit skills and a track record of developing and closing new business.
• Ability to analyze credit and structure deals within lending limits.
• Knowledge of regulatory, compliance and due diligence requirements.
• Excellent communication and relationship-building abilities.

Responsibilities

• Develops new business opportunities through client solicitation and industry involvement.
• Services a wide variety of secured and unsecured loans or lines of credit.
• Cross-sell cash management, investment management and deposit products.
• Maintain frequent contact with customers and anticipate needs.
• Review credits and credit applications; advise on structuring and pricing.

Skills

Credit analysis

Business development

Negotiation

Customer relationship

Problem solving

Financial acumen

Education

Formal credit training

Tools

MS Word

MS Excel

PowerPoint

Job description

Rockland Trust is a fullservice 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 decisionmaking, 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 longstanding 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 valuesdriven culture that encourages professional growth, innovation, and worklife balance. We are deeply committed to community involvement, financial education, and creating a workplace where individuals can build meaningful, longterm careers.

Rockland Trust is currently seeking a Commercial Loan Officer to build relationships with various commercial businesses throughout the community. The individual in this role will source, develop and manage commercial banking relationships, with a focus on growing the portfolio by providing financial solutions to both existing and new customers.

The role is a trusted advisor who understands the customer's business environment and is able to provide solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to their business.

As an organization, Rockland Trust offers an extensive and highly supportive branch network, competitive products and pricing and exceptionally strong local operational support to help you achieve your business development objectives.

Responsibilities

• Develops new business opportunities through business development efforts; including new client solicitation, active involvement in industry organizations, and expansion of existing client base.
• Services a wide variety of secured and unsecured loans or lines of credit.
• Actively identifies opportunities to cross-sell other bank products and services to customers and prospects including Cash Management, Investment Management and deposit products.
• Attends to the needs of customers, maintaining frequent contact and ensuring needs are handled properly
• Anticipates emerging customer trends as a basis for recommending products and services and expanding the business
• Interviews applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. Gives financial advice and counsel to customers and prospective customers.
• Reviews existing credits and new credit applications, analyzes credit quality and makes recommendations as to how to structure and price deals
• Guides the credit department or junior officers in the development and analysis of financial background data for new or renewed loans.
• Presents relevant data and recommendations to the Management and Senior Loan Committee when appropriate. Makes decisions on loans and terms within established lending limits.
• Follows current loans and credit lines to ensure complete compliance with terms.
• Maintains awareness of maturing credits, overdue payments, financial information reporting; etc, which could affect the status of the commercial relationships and takes appropriate action
• Works with Portfolio Managers to insure that financial information is collected on a timely basis and that credit exposure is properly rated reflecting credit quality over time.
• Represents Rockland Trust in business and community activities.

Required Experience

• Qualified candidates will have at least five years of commercial lending (both C&I and Commercial Real Estate) experience ideally in our market, strong credit skills and a record of success in developing, maintaining and closing new business.
• Formal credit training preferred
• Ability to utilize deductive and inductive reasoning to solve problems
• Ability to understand new information and apply it for future problem-solving and decision-making
• In-depth understanding of commercial industry, business development techniques and credit decisions
• Proven business development track record, with ability to conceptualize and implement effective new business strategies
• Extensive network of outside referral sources for new business
• Excellent credit and financial analysis skills
• Effective negotiation skills
• Ability to establish and maintain effective working relationships
• Demonstrated ability to review and evaluate documentation for risk
• Related experience with regulatory, compliance and due diligence requirements
• Strong organizational, reasoning and communications skills
• Self motivated and independent with the ability to multi task, balance a demanding work load and meet critical deadlines
• PC skills including Word, Excel and Power Point are 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, you'll find a respectful and inclusive environment where everyone has the opportunity to succeed. We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Pay Transparency

Compensation for this role will be based on a variety of factors, including skills, experience, education, and internal equity. The salary range posted reflects the company's goodfaith estimate of the range for this position at the time of posting. Actual compensation may vary. In addition to base salary, certain positions may be eligible for additional compensation, including commissions, incentive awards or stipends.

Accessibility & Accommodations

We are committed to providing reasonable accommodations to enable individuals with disabilities to perform the essential functions of their roles.