Sr Loan Officer (US) - CRE Lending

TD•Charlotte, NC

17h•Onsite

About The Position

The Sr. Commercial Loan Officer is an external sales role which focuses on growing a Commercial portfolio through building new customer relationships. This job meets or exceeds annual sales, revenue, volume & new customer objectives. The Sr. Commercial Loan Officer maximizes profitability, revenue and retention of new relationships by cross selling the full range of products and services. This job is the primary contact for developing new client relationships while managing existing Customer relationships.

Requirements

4 year degree or equivalent experience
10+ years related experience
In-depth understanding of commercial industry, business development techniques and credit decisions
Proven business development track record, with proven ability to conceptualize and implement effective new business strategies
Extensive network of outside referral sources for new business
Excellent credit and financial analysis skills
Refined negotiation skills
Proven communication skills, both verbal and written
Proven PC skills
Membership in civic and professional organizations required

Responsibilities

Originate and structure commercial real estate loans including (retail, industrial, multifamily, office and mixed-use properties)
Establish and maintain relationships with developers, attorneys, brokers and various CRE industry networking sources
Analyze financials, cash flows, rent rolls, operating statements, collateral, market data for sound credit decisioning
Work with internal business partners to complete credit discussion or approval memos
Negotiate loan terms and coordinate closings with outside legal counsel and internal underwriting teams
Monitor loan portfolio performance and ensure compliance
Meet or exceed annual production and portfolio growth goals while maintaining sound credit quality and acceptable ROE
Operate well within a high paced environment and collaborate with multiple team members
Experience with secured construction, term, and multi-asset pool lending
Familiarity with loan documentation and regulatory requirements
Works independently to develop new business with prospects that have the largest and most complex credit needs
Maintains established market presence and extensive network of outside referral sources of new business
Understands how to structure the most complex deals
Prepares basic management reports summarizing loan activity
Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business
Compiles necessary data and information to begin financial analysis
Negotiates specific terms and conditions within parameters defined by credit decisions
Finalizes loan agreements with prospects and Customers and closes sales
Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management
Assists in the development of less experienced loan officers
Educates Branch Managers and staff about products and the lending process
Communicates credit decisions to prospects and negotiates specific terms and conditions for loans within parameters defined by credit decisions
Responsible for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new Commercial Customers and cross selling existing Customers as well as an established network of resources