Asset- Lending Portfolio Manager

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 Asset-Based Lending Portfolio Manager is responsible for managing and overseeing a portfolio of asset-based lending relationships, with a primary focus on credit quality, collateral monitoring, risk management, and client relationship support. This role partners closely with Commercial Banking Relationship Managers, Credit, Treasury Management, and other business partners to deliver credit solutions that support client growth while maintaining sound portfolio performance.

The successful candidate will serve as a trusted advisor and risk manager, providing ongoing assessment of borrower performance, collateral adequacy, liquidity, and loan structure while supporting business development and relationship expansion efforts.

• Monitor borrower financial performance and credit quality on an ongoing basis.
• Analyze borrower financial statements, operating trends, cash flow, liquidity, and working capital performance.
• Evaluate collateral performance, including accounts receivable, inventory, equipment, and other pledged assets to ensure adequate collateral coverage.
• Monitor borrowing base certificates, covenant compliance, excess availability, and liquidity reporting.
• Identify emerging risks and proactively recommend appropriate risk mitigation strategies.
• Ensure accurate internal risk ratings and recommend changes based on borrower performance and market conditions.
• Maintain timely and accurate portfolio reviews, annual reviews, and credit administration requirements.

• Prepare detailed credit memoranda, risk assessments, and approval packages for new requests, renewals, amendments, and refinancing opportunities.
• Evaluate loan purpose and structure, liquidity, asset protection, repayment sources, corporate, regulatory and industry risk, historical and projected operating performance, and capital structure.
• Conduct financial modeling and sensitivity analyses to assess borrower liquidity and repayment capacity.

• Ensure that the bank's collateral is regularly appraised, field exams are conducted to evaluate the quality of the collateral and underlying collateral controls, and that adjustments are made if any issues arise from those appraisals or exams.
• Evaluate collateral performance at the borrowing base component level and ensure that adequate collateral is available to cover outstanding obligations.
• Monitor collateral valuation trends and assess liquidity and excess availability levels.
• Assess collateral controls and recommend appropriate reserves or adjustments when warranted.
• Ensure compliance with loan agreements, borrowing base requirements, and…