Commercial Sales Associate II- Institutional Commercial Real Estate Lending

TD•Tampa, FL

1d•Onsite

About The Position

The Commercial Sales Associate II provides ongoing Commercial Customer service documentation and loan system support as the Relationship Teams liaison on assigned accounts. This role manages and processes overdrafts, prepares daily packages for review within appropriate timeframes adhering to audit credit policy/procedures, and manages financial reporting requirements within the team's portfolio. It also involves assisting with covenant compliance, tracking insurance certificates, reviewing RM reports, and monitoring Good Faith Reports. The associate ensures new loans, renewals, and modifications are booked and scanned correctly, assists with account transfers, and monitors RM assignments. Additionally, this role supports Salesforce/nCino activities, processes servicing requests, advances, transfers, paydowns, and payments, scans credit/loan information, and handles T&E expense reports and invoice processing.

Requirements

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 other related information
Strong knowledge of commercial rate changes, billing processes, reading transaction histories, explaining late fees and interpreting the technical details of the loan system for Customers and Relationship Team
Strong Customer service skills
Analytical, problem solving and organizational skills
Strong attention to detail, including ability to review large amounts of detailed documents for accuracy
Excellent communication skills, both verbal and written
PC skills required (Word, Excel, PowerPoint)
Knowledge of Relationship Team systems and software
Ability to multi-task along with strong attention to detail
Ability to learn new tasks and systems at a fast rate

Nice To Haves

Provides notary services as needed
Provides notary services for Customers as needed

Responsibilities

Manage and process overdrafts and prepare packages daily for review within appropriate timeframe that adheres to audit credit policy/procedures.
Manage & maintain financial reporting requirements within Team's portfolio; Financial request letters, tracking and scanning within appropriate timeframe that adheres to audit credit policy/procedures.
Manage and assist with processing covenant compliance for Credit Management approval.
Manage & assist with tracking the receipt and scanning of Insurance Certificates.
Review and track various RM reports and follow-up with RM/CS on clearing delinquencies, maturities and financial/loan exceptions.
Manage & monitor Good Faith Reports.
Manage & follow-up to ensure new loans, renewals and modifications are booked & scanned correctly in all TD systems.
Assist with the deposit and loan account transferring between RM's.
Monitor the loan and deposit accounts to ensure the correct RM is assigned to their accounts.
Assist and follow-up on loan payoffs.
Assist in adding Entities/Opportunities in Salesforce/nCino, including research of data while ensuring data accuracy.
Process and monitor Servicing Requests.
Process advances, internal transfers, paydowns and payments in LT with proper authorization.
Process and track fees.
Scan credit/loan information to DocMan.
Prepare T&E Expense Report for self and/or team - Adhere to Expense Policy process & procedures.
Process invoices for payments.
Provides professional and efficient service to external and internal Customers.
Analyzes transaction structure.
Provides Customer service functions.
Provides administrative support to Relationship Managers.
Assists the Relationship Manager(s) in closing loans, including assisting to clear conditions of closing, aiding in the preparation of the closing packages an organizing the loan closing package.
Provides Financial Statement support, including uploading and tracking of statements.
Processes payments, advances, pay-downs, wires and line of credit adjustments.
Supports Relationship Team with reporting, loan activities, delinquencies, correspondence preparation and tracking in loan information.
Supports Relationship Managers with reporting, including pipeline, loan closing and other input on the Bank loan origination platform.
Prepares correspondence and provides administrative support.
May act as the initial Customer service contact and may initiate and facilitate Customer research (depends on complexity and nature of issue) ensuring a comprehensive solution to the Customer is provided.
Processes Customer transactions as necessary.
Interacts with external Customers as needed.
Provides notary services as needed.
Processes more complex payments, advances, pay-downs, wires and line of credit adjustments.
Initiates and facilitates Customer research on complex issues.
Assists Relationship Team with clearing and management exceptions.
Serves as a resource for mentoring Commercial Sales Associates.
Prepares correspondence under the direction and review of the Relationship Managers and Commercial leadership.
Assists in the development and making recommendations of procedures and process flow.
May generate and distribute reports to the Relationship management team, including daily and monthly reporting.
Acts as the initial Customer service contact and may research more complex Customer requests or transactions.
Provides notary services for Customers as needed.