CRE Commercial Loan Officer - Lowell

About the role

Rockland Trust is seeking a Commercial Real Estate (CRE) Loan Officer to build and manage relationships with real estate investors, developers, and owners across the community.

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.
• Able to manage multiple transactions and deadlines in a fast-paced environment.
• Strong communication, organizational, and relationship management skills.

QualificationsPreferred qualifications include a degree in finance, real estate, or a related field, and membership in professional organizations such as NAR, CCIM, or AICP.

Skills

• Excellent interpersonal and communication skills.
• Ability to work independently and as part of a team.
• Proficiency in Microsoft Office Suite.
• Understanding of real estate market trends and economic conditions.

Benefits

Rockland Trust offers 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!