Commercial Loan Officer - CRE

About the role

Rockland Trust is seeking a Commercial Real Estate (CRE) Loan Officer to join our team. This role involves building and managing relationships with real estate investors, developers, and owners, sourcing, structuring, and managing commercial real estate lending opportunities.

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.

Requirements

• 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.

QualificationsStrong communication, organizational, and relationship management skills.

Skills

• Commercial real estate lending experience.
• Strong credit analysis and structuring 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 and relationship management skills.

Benefits

Rockland Trust offers a comprehensive benefits package including competitive compensation, 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!