LILI DEL PILAR COCK

• Responsible for the business development, relationship management & client experience of companies with annual gross sales generally less than $50 MM.

•Achieves growth goals (loans, deposits, fees), both individually and assisting the team, through the development of new commercial customers and cross-selling existing Customers as well as the development of a referral network.

•Negotiates specific terms and conditions for loans within parameters defined by credit decisions.
•Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management.
•Partners with Stores, RMMs, and RVPs in the defined market area for consistent delivery of TD Bank WOW! Customer Experience and CWI performance targets.

• Manages a large Store, according to the Bank’s criteria, with complex business transactions and Customer needs
• Negotiate and influence in the Store, with Business Partners, and across the Region
• Identify when there is a need for change and make recommendations for change
• Built strong Business Partner relationships through routine contracts and review of expected business results
• Executed the strategic Bank initiatives as a key contributor and makes decisions related to my own area of expertise
• Lead sales strategy and planning efforts and created sales and promotional initiatives to reach performance goals.

• Manage and develop the lending team’s ability to allocate new commercial business
• Coordinate the underwriting process on SBA -7A and 504 programs for the Lehigh Valley office
• Soliciting, underwriting, and servicing a variety of commercial loans including construction, renovations, term loans, and lines of credit for the Lehigh Valley office
• Interview applicants and recommend approval of customer applications for commercial and SBA loans
• Analyze the applicant's financial status and credit to determine the feasibility of granting the loan
• Approve loans within established limits and present them to the committee for approval

• Effectively acquired, managed, and grew profitable account relationships with an extensive percentage of moderately complex and medium-sized business customers
• Supporting a total of 20 stores and servicing a variety of commercial loans up to $15,000,0000
• Structured and completed straightforward secured and unsecured business loans including SBA and portfolio loans
• Proactively partnered with existing customers in order to fully understand their businesses, goals, strategies and challenges
• Accurately assess their financial needs for the purpose of formulating a business plan and delivering an effective variety of financial products and services in order to help the customer succeed financially
• Performed effective financial analysis and underwriting in the areas of credit, cash flow, and collateral