Commercial Loan Officer - CRE

Rockland Trust Company

Providence (RI)

On-site

USD 130,000 - 230,000

Full time

14 days+

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Benefits offered by this job

Health insurance

Dental insurance

401(k) retirement plan

Life insurance

Paid vacation

Day care reimbursement

Tuition assistance

Wellness program

Job summary

Rockland Trust Company in Providence, RI, is seeking a Commercial Real Estate Loan Officer to build and manage relationships with real estate investors, developers, and owners across the community. You will source, structure, and manage commercial real estate lending opportunities to grow a high‑quality CRE portfolio.

You will analyze property cash flows, negotiate terms, and present opportunities to credit committees, while collaborating with portfolio managers and credit teams to ensure

Qualifications

Minimum 5 years of commercial lending experience with CRE focus.
Strong credit skills analyzing property-level financials.
Experience with various property types (multifamily, office, industrial, retail, construction).
Established network of real estate professionals (developers, brokers, attorneys, CPAs).
Ability to manage multiple transactions in a fast-paced environment.
Strong communication and relationship management skills.

Responsibilities

Develop CRE opportunities through prospecting and relationships with developers and brokers.
Originate, structure, and service CRE loans for various property types.
Analyze property cash flows, rents, operating statements, and market conditions.
Serve as primary relationship manager for CRE clients.
Identify cross-sell opportunities including treasury, deposits, and wealth management.
Structure loan terms, pricing, and covenants aligned with risk and market standards.
Partner with Portfolio Managers to monitor portfolio performance and reporting.
Monitor construction projects, budgets, timelines, and draws.
Present loan opportunities and recommendations to credit committees.
Ensure compliance with credit policies and loan documentation.

Skills

Commercial lending

Credit analysis

Relationship management

Negotiation

Communication

Education

Bachelor's Degree

Job description

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.

Rockland Trust is currently seeking a Commercial Real Estate (CRE) Loan Officer to build and manage relationships with real estate investors, developers, and owners across the community. This individual will source, structure, and manage commercial real estate lending opportunities, with a focus on growing a high‑quality CRE portfolio by delivering tailored financing solutions to both new and existing clients.

The role serves as a trusted advisor to clients, with a deep understanding of real estate markets, property types, and investment strategies. The CRE Loan Officer will deliver value through expertise in structuring transactions, analyzing real estate cash flow and collateral, and aligning financing solutions with clients’ acquisition, development, and refinancing goals.

Rockland Trust provides a highly supportive platform, including a strong branch network, competitive products and pricing, and experienced credit and operational teams to help you successfully originate and manage CRE relationships.

Key Responsibilities

Develop new CRE business opportunities through proactive prospecting, developer and broker relationships, and active participation in real estate and industry organizations.
Originate, structure, and service a variety of commercial real estate loans, including income‑producing properties, construction financing, owner‑occupied real estate, and investment portfolios.
Analyze property cash flows, rent rolls, operating statements, and market conditions to assess credit risk and structure appropriate financing solutions.
Serve as the primary relationship manager for CRE clients, maintaining regular contact and ensuring high‑quality service delivery.
Identify and execute cross‑sell opportunities, including treasury services, deposits, and wealth management solutions.
Structure loan terms, pricing, and covenants aligned with risk, collateral, and market standards.
Partner with Portfolio Managers to monitor portfolio performance, ensure timely financial reporting, and maintain accurate risk ratings.
Monitor construction projects (where applicable), including budgets, timelines, and draws.
Stay informed on real estate market trends, property valuations, and economic conditions to anticipate client needs and identify new opportunities.
Present loan opportunities and recommendations to credit approval committees within lending authority.
Ensure compliance with credit policies, regulatory requirements, and loan documentation standards.
Represent Rockland Trust within the real estate community and local markets.

Required Experience

Minimum of 5 years of commercial lending experience, with a strong emphasis on commercial real estate lending and demonstrated success originating and closing CRE transactions.
Strong credit skills, including analysis of property‑level financials and borrower capacity.
Experience with a variety of property types (e.g., multifamily, office, industrial, retail, and construction).
Formal credit training highly preferred.
Established network of real estate professionals (developers, brokers, attorneys, CPAs, etc.).
Strong financial analysis, structuring, and negotiation skills.
Knowledge of regulatory and compliance considerations specific to CRE lending.
Ability to manage multiple transactions and deadlines in a fast‑paced environment.
Strong communication, organizational, and relationship management skills.

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, well‑being.

competitive compensation with performance‑based 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 award‑winning wellness program
much more!

Pay Transparency

Compensation for this role will be based on a variety of factors, including skills, experience, education, internal equity, and, for revenue‑generating roles, the achievement of individual and/or team production goals. The salary range posted reflects the company’s good faith estimate of the range or 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.

Job Info