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Associate Commercial Lending

The Associate Commercial Lending role supports the ongoing monitoring and servicing of a segment of the company’s commercial mortgage loan portfolio. This position plays a key role in analyzing loan performance, reviewing property-level financials, ensuring compliance with loan documents, and supporting servicing activities throughout the life of the loan. Working closely with the Lead Servicing Analyst, Credit Analysts, and Servicing Management, the Associate develops a strong foundation in commercial mortgage servicing while contributing to accurate reporting, issue resolution, and portfolio oversight.

Key Responsibilities

• Review and normalize annual property operating statements to industry standards; update loan systems with accurate financial data for required reporting.
• Analyze trends in debt service coverage, revenues, expenses, and occupancy to assess collateral and loan health; escalate issues as appropriate.
• Own issue tracking and follow up to resolution; report relevant matters to Credit, Surveillance Committee, Servicing leadership, or Special Servicing.
• Prepare and process payoff statements in accordance with loan documents; review notes and loan agreements for prepayment provisions and special requirements.
• Monitor property taxes and insurance to ensure ongoing compliance with lender requirements; update systems for accurate reporting.
• Review and manage holdback draw requests, including documentation review, approval coordination, system updates, and amortization schedule adjustments.
• Manage borrower requests such as lease reviews, approvals, and support for loan modifications in coordination with Credit Analysts.
• Review annual property inspection reports and track deferred maintenance items; coordinate follow-up with borrowers and servicers.
• Prepare post-closing and revised amortization schedules related to loan conversions, paydowns, re-amortizations, and holdback advances.
• Complete designated departmental responsibilities, which may include payoff reporting, CECL and RBC support, escrow processing, reconciliations, and ad hoc initiatives.

Core Competencies (Skills, Knowledge, Abilities):

• Working knowledge of commercial mortgage servicing concepts and loan documentation.
• Strong analytical skills with the ability to interpret property-level financial statements and loan performance data.
• High attention to detail and commitment to data accuracy and integrity.
• Ability to manage multiple recurring tasks and deadlines within established procedures.
• Effective written and verbal communication skills, including the ability to clearly document findings and escalate issues appropriately.
• Ability to work independently while collaborating closely with servicing, credit, and management partners.
• Comfort using loan servicing systems and standard office technology, including Microsoft Excel, Word, and Outlook.

Minimum Qualifications:

• Bachelor’s degree in Finance, Accounting, Business, or a related field, or equivalent work experience.
• 1–3 years of experience in a similar analytical role (commercial real estate, commercial banking, corporate finance, accounting, or related area) or educational equivalent.
• Demonstrated ability to manage multiple workstreams, track issues, and meet recurring deadlines.
• Strong professional communication skills with internal and external stakeholders.

Preferred Qualifications

• Experience reviewing commercial loan documents, including notes, loan agreements, and holdback agreements.
• Prior exposure to commercial mortgage servicing, loan surveillance, or portfolio management.
• Experience coordinating with multiple internal and external partners.
• Interest in developing a long-term career in commercial lending or mortgage servicing.

Protective’s targeted salary range for this position is $66,000-$80,000. Actual salaries may vary depending on factors, including but not limited to, job location, skills, and experience. The range listed is just one component of Protective’s total compensation package for employees.

The internal title for this role is Associate Commercial Loan Servicing.

Employee Benefits:

We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health. Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective’s platform to improve wellbeing while earning cash rewards.

Eligibility for certain benefits may vary by position in accordance with the terms of the Company’s benefit plans.

Accommodations for Applicants with a Disability:

If you require an accommodation to complete the application and recruitment process due to a disability, please email eric.hess@protective.com. This information will be held in confidence and used only to determine an appropriate accommodation for the application and recruitment process.

Please note that the above email is solely for individuals with disabilities requesting an accommodation. General employment questions should not be sent through this process.

We are proud to be an equal opportunity employer committed to being inclusive and attracting, retaining, and growing an inclusive workforce.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.