Relationship Manager III

Relationship Manager III

The Relationship Manager III services the needs of large/complex business portfolios, customizing a broad range of products and services to meet the financial needs of TD's customers. The job acquires, develops and manages commercial banking relationships by providing customized solutions across different commercial segments to build a strategy that is right for the customer now, and in the future with a focus on growing the portfolio by providing financial solutions and developing new business from both existing and new customers.

The role is a trusted advisor who, with sensitivity to the customer's operating environment, structures and packages practical and competitive solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to the customer's portfolio.

Education & Experience:

• Undergraduate degree
• 7+ years relevant 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
• Effective negotiation skills

Customer Accountabilities:

• Responsible for growth goals (loans, deposits, fees), both individually and within the team, through development of new business Customers and cross selling existing Customers as well as an established network of resources
• Makes sales calls and may coordinate sales calling efforts, gather related financial and general business information as directed, coordinate financial analyses needed to make credit decisions
• Contributes and/or provides recommendation to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• Negotiates specific terms and conditions and communicate credit decisions to prospects and Customers as directed by policy and/or credit approval
• Leads all aspects of relationship management for an assigned portfolio/segment and/or geography
• Delivers exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
• Acts as a trusted advisor expected to meet the needs of customers by providing creative products/solutions
• Actively uses sales platforms to build a robust understanding of customer/target needs, industries, and markets
• Understands customer's operating environment, structure unique financing, cash management and overall business needs to add value to the customer
• Actively generates referrals to all business partners in the Bank to help meet the comprehensive financial needs of TD customers
• Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory
• Possesses and constantly enhances expert knowledge of the market, customers, and broader economic factors
• Identifies and responds to changes in the business environment and establishing action plans to address customer issues and priorities
• Identifies customer/prospect referral opportunities to internal Bank partners that meet customer needs
• Develops community relationships and membership in civic and professional organizations, including active participation in networking events

Shareholder Accountabilities:

• Develops/implements sales strategies to proactively attract, acquire and retain customers/sales opportunities and referrals, to increase profitability and enable business growth
• Plans and executes business development activities, review and communicate results, and adjust tactics accordingly
• Promotes and offers full suite of products, sales, services and banking capabilities
• Assesses credit requests to determine risk and make appropriate recommendations for structuring credit deals
• Contributes to credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation
• Contributes to business objectives for Operational Excellence
• Supports the timely and accurate completion of business processes and procedures
• Protects the interests of the organization – identify and manage…