Portfolio Risk Officer

Job-:
Commercial

Location:

Brockton, MA, United States Workplace:
Hybrid

Schedule:

Full time Posted:
Proposed

Work Hours:

40.00

Targeted Salary Range:
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…