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Senior Loan Reviewer
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Enterprise Bank
Brockton, MA (In Person)
Full-Time
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Job Description
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 Senior Loan Reviewer is responsible for independently evaluating the accuracy of credit ratings for the bank's loan portfolio, as well as the effectiveness of credit risk management processes. Reporting to the Director of Loan Review, this role ensures adherence to internal credit policies, regulatory expectations, and safe-and-sound banking practices. The position plays a critical role in identifying emerging credit risks, assessing underwriting standards, and providing actionable insights to senior management. Duties and Responsibilities Conduct comprehensive reviews of CRE, C&I, business banking and consumer loan relationships to assess credit quality and risk ratings in accordance with Loan Review's coverage plan. Validate risk rating accuracy and timeliness in accordance with bank's risk rating framework and in alignment with regulatory expectations. Assess for each credit the underwriting quality, borrower and global cash flow, financial analysis, guarantor strength, collateral valuation, covenant structure and compliance, loan terms, and approval documentation. Prepare detailed loan review work papers and assist with reports and risk assessments. Assign review findings, recommend practical and risk-appropriate corrective actions, and track remediation efforts through resolution. Maintain in-depth knowledge of all policies and procedures related to lending, credit rating and problem loan monitoring. Assess compliance with internal loan policies, credit procedures, and applicable banking regulations. Work closely with Credit Administration, line of business and commercial bankers on specific credit reviews in scope, including detailed discussions regarding observations and findings. Required Skills Strong attention to detail, critical thinking, and independent judgment. Advanced proficiency in commercial credit analysis, financial statement interpretation, and cash flow assessment and use of any related software. Strong written and verbal communication skills, capable of expressing well-supported credit review opinions, including dissenting views when necessary. Excellent analytical and problem-solving skills Deep understanding of regulatory guidance, including interagency credit classification standards and loan review expectations. Solid knowledge of lending practices, policies, procedures, disclosures and terminology related to banking laws, regulatory requirements and legal documents. Strong organizational and time management skills, with the ability to manage competing priorities and deliver high-quality work in a deadline-driven environment. Demonstrate strong ethics. Experience and Qualifications Bachelor's degree in finance, accounting, business, or related field (MBA or relevant certification preferred). Minimum 7-10+ years of relevant loan review, or related commercial credit experience (direct lending, workout, risk management and/or regulatory). Strong understanding of credit risks associated with CRE and construction lending, as well as more complex C&I lending (including industry specializations and leveraged lending). Strong understanding of credit risk management frameworks, problem loan management, and regulatory examination expectations in a community or regional bank environment. Track record of producing high-quality, independently supported credit review work product that has withstood regulatory examination scrutiny is preferred. Experience participating in or supporting risk-based loan review programs, including familiarity with risk-based sampling methodologies and continuous monitoring concepts is preferred. Proficiency with loan review systems is a plus. Benefits & Culture Our goal is to offer our colleagues the most generous benefits package possible. We provide a comprehensive suite of benefits designed to support your health, financial security, and overall, well‑being.