Commercial Credit Approval Officer; Business Banking

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.

The bank is seeking a Commercial Credit Approval Officer responsible for underwriting and decisioning commercial credit proposals within their assigned lending authority.

• Utilize financial analysis, industry evaluation, credit underwriting guidelines, and superior judgment to efficiently underwrite and decision commercial business and real estate loan proposals within assigned lending authority or recommend decisions for requests exceeding individual lending authority.
• Collaborate with front line colleagues and/or directly with customers, as necessary, to obtain required documents and/or clarifying information needed to thoroughly underwrite.
• Accurately identify and apply credit policies/underwriting guidelines, prudently recommending approval of reasonable exceptions where the overall credit profile fits within the bank’s risk tolerance.
• Properly structure loan proposals to balance simplicity and monitoring ease with credit conservatism.
• Proactively counter-offer SBA guarantees or other credit enhancements, as necessary, to meet customer needs, while mitigating risk.
• Mentor and assist in the professional development of junior credit colleagues by reviewing their work, serving as an expert resource for the department, and backing up the underwriting manager, as necessary.
• Accurately identify and apply credit policies, judiciously recommending approval of reasonable exceptions where the overall credit profile fits within the bank’s risk tolerance.
• Assist/Coach front line colleagues, as necessary, to develop strategies for strengthening customer relationships (e.g. identify cross-sell opportunities, debt restructure strategies to strengthen liquidity or improve balance sheet leverage, succession planning, etc.).
• Stay conversant with banking laws, regulations, and credit policy/guidelines to ensure that all exceptions are properly identified and justified and that all credit actions comply with pertinent regulations.
• Collaborate with Business Banking, and Commercial Banking Partners, throughout the entire loan origination process to ensure an excellent customer and colleague experience.
• Develop and sustain strong partnerships with various front line and back office colleagues through complete, candid, and timely communication, a sense of urgency, and cooperative mindset.
• Participate in various initiatives and projects for the Commercial Banking Underwriting Department relating to technology and process improvement as needed, to improve the speed, efficiency, or operational integrity of the team.
• Participate in audits, regulatory exams, and other third party reviews and assist in the development of responses and follow-up actions, as necessary.

• Strong credit and financial analysis skills, including the ability to evaluate debt service coverage, analyze collateral, discern key financial trends and ratios, UCA cash flow, understand impact of emerging technology, trends, etc. on the bank’s loan portfolio, etc.
• Strong credit judgment, as demonstrated by the ability to consistently apply pertinent credit policies…