Sr Relationship Manager, MM

Position: Sr Relationship Manager, MM (US)
Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

-  USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Personal & Commercial Banking

Job Description:

Subject matter relationship executive with deep credit skills and prior experience working with companies $100mm - $2B in review in the Waste Management Industry. TD is seeking to create a dedicated Industry Team with initial focus on Waste Industry Companies and residential and commercial waste collection and likely owning landfills as well that are privately held own private equity owned. Location is flexible

Depth & Scope:

Leads the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth throughout the marketplace

Works independently to develop new business with prospects that have the largest and most complex credit needs in assigned portfolio segment

Maintains or establishes largest portfolio segment and geography for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new business Customers and cross selling existing Customers as well as an established network of resources

Facilitates larger transactions and relationships referred to Commercial relationship management according to prescribed Bank parameters

Makes calls independently and invites less experienced Relationship Managers to join as a development opportunity

Contributes to the coaching, training, development and team leadership of less experienced Relationship Managers Makes and assists in sales calls, gathers financial and general business information and explains products and services offered

Negotiates 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 issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategy

Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory

Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity

Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business

Develops broader knowledge base of commercial and small business, other Company products and services, which may include loan policy, documentation, structuring and regulatory requirements

Maintains frequent interaction with centers of influence, diverse industry segments, community leaders, and senior business contacts

Develops community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking events

Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business

Prepares and submits all reports may prepare management reports summarizing individual and team loan activity

Education & Experience:

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…