Commercial Sales Associate II – Institutional Commercial Real Estate Lending

• Provide ongoing commercial customer service, documentation, and loan system support as liaison for Relationship Teams on assigned accounts
• Manage and process overdrafts and prepare packages for review within required audit and credit-policy time frames
• Manage financial reporting requirements, including financial request letters, tracking, and scanning
• Manage and assist with covenant compliance processing for Credit Management approval
• Track receipt and scanning of insurance certificates
• Review and track Relationship Manager reports and follow up on delinquencies, maturities, and financial or loan exceptions
• Monitor Good Faith Reports
• Ensure new loans, renewals, and modifications are correctly booked and scanned in TD systems
• Assist with deposit and loan account transfers between Relationship Managers and monitor correct Relationship Manager assignments
• Assist with loan payoffs
• Add Salesforce/nCino entities and opportunities, researching data and ensuring accuracy
• Process and monitor servicing requests
• Process advances, internal transfers, paydowns, and payments in LT with proper authorization
• Process and track fees
• Scan credit and loan information to Doc Man
• Complete T&E expense reports and process invoices for payment
• Provide administrative support to Relationship Managers and assist with loan closings, closing conditions, and closing packages
• Upload and track financial statements
• Support reporting on loan activities, delinquencies, correspondence, pipelines, and loan closings
• Prepare correspondence and provide customer transaction support
• Serve as initial customer service contact and research complex customer requests or transactions
• Interact with external customers and provide notary services as needed
• Assist the Relationship Team with clearing and managing exceptions
• Mentor Commercial Sales Associates
• Assist with procedure and process-flow development and recommendations
• Generate and distribute daily and monthly reports to the Relationship Management team

• High school diploma or equivalent experience
• 2+ years related experience required
• Strong knowledge of commercial lending products, credit policy, loan documentation and administration requirements, and legal and regulatory guidelines
• Strong knowledge of commercial lending policy and procedures, including lending authority, loan structures, risk ratings, loan to value ratio and related information
• Strong knowledge of commercial rate changes, billing processes, reading transaction histories, explaining late fees and interpreting technical details of loan systems
• Strong customer service skills
• Analytical, problem-solving, and organizational skills
• Strong attention to detail and ability to review large amounts of detailed documents for accuracy
• Excellent verbal and written communication skills
• PC skills required, including Word, Excel, and Power Point
• Knowledge of Relationship Team systems and software
• Ability to multitask and learn new tasks and systems quickly
• Ability to provide notary services as needed
• Ability to perform the listed physical requirements, including continuous sedentary work, multitasking, operating standard office equipment, concentration, reading, writing, comprehending instructions, and basic arithmetic

Demonstrates strong knowledge of commercial lending products, credit policy, and loan documentation while providing exceptional customer service and support to Relationship Teams. Proficient in financial reporting, compliance processing, and managing loan activities with a keen attention to detail.

• Commercial Lending Products Knowledge
• Loan Documentation and Administration
• Customer Service Skills
• Analytical and Problem-Solving Skills
• PC Skills (Word, Excel, PowerPoint)

• Loan Processing
• Financial Reporting
• Covenant Compliance Processing
• Document Scanning
• Fee Tracking
• Notary Services
• Salesforce/nCino
• Loan Payoff Processing
• T&E Expense Reporting
• Audit Compliance

• Attention to Detail
• Organizational Skills
• Verbal Communication Skills
• Written Communication Skills
• Multitasking Ability

• Credit Policy
• Loan Structures
• Risk Ratings
• Loan to Value Ratio
• Billing Processes
• Regulatory Guidelines

• TD Systems
• Doc Man
• Relationship Team Systems