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.
• Design, automate, and maintain reporting workflows to improve efficiency, accuracy, and scalability.
• Develop dashboards, visualizations, and management reporting tools that transform complex data into meaningful business insights.
• Maintain reporting procedures and documentation to ensure consistency, accuracy, and business continuity.
• Perform targeted portfolio reviews and deep-dive analyses of specific sectors, industries, or lending segments, including commercial real estate portfolios.
• Support the development and monitoring of credit risk metrics, key performance indicators (KPIs), and key risk indicators (KRIs).
• Participate in special projects, strategic initiatives, and ad hoc analyses as assigned.
• Mentor junior analysts and interns, fostering professional development and knowledge sharing.
• Promote a culture of risk awareness, continuous improvement, and data-driven decision-making.

Qualifications

• Bachelor's degree in Finance, Economics, Business, Accounting, Statistics, or a related field required.
• Advanced degree or professional certification (MBA, CFA, FRM, or similar) preferred.
• Minimum 3-5 years of experience in portfolio risk analysis, credit risk management, analytics, or related roles within banking or financial services.
• Strong understanding of commercial and consumer lending products, including Commercial & Industrial (C&I), Commercial Real Estate (CRE), residential mortgage, home equity, and consumer lending portfolios.
• Demonstrated ability to analyze complex financial and portfolio data and identify meaningful risk trends.
• Excellent written, verbal, and presentation skills, with the ability to communicate complex concepts to senior leadership and diverse audiences.
• Proficiency with Microsoft Office applications, particularly Excel and PowerPoint, as well as analytics and reporting tools such as SAS, Alteryx, Tableau, Power BI, or similar platforms.
• Working knowledge of databases, data structures, and SQL.
• Strong project management, organizational, and problem-solving skills.

• Proven ability to build relationships and collaborate effectively across functions.

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. Benefits include 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, 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 good faith 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 accommodation to enable individuals with disabilities to perform the essential functions of their roles.