Business Banker II (US)

About the role

This role 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 structures and packages practical and competitive solutions that demonstrate an understanding of customers’ financing, cash management and overall business needs. While this posting is for a Business Banker II role, highly qualified candidates whose experience, skills, and business development capabilities align with a higher-level position may also be considered for a Business Banker III opportunity.

Responsibilities

• Services the needs of Commercial banking business, customizing a broad range of products and services to meet the financial needs of TD’s customers.
• Originates and monitors loans of moderate size and complexity and/or supports a growing Region.
• Applies business and financial principles to improve delivery of the products and services provided.
• Possesses a deep understanding of the business, the competitive landscape, and the economic and legal/regulatory environment affecting the industry and customer segment.
• Provides customer relationship management of an assigned customer portfolio within an assigned territory / account base; serves as a segment or product expert.
• Leads the identification, pursuit and management of accounts across a product or customer segment.
• Solves complex problems and recommends new product and service solutions.
• Sets standards for planning and executing complex sales or account management processes; focuses on “consultative” advice and integrated solutions.
• Impacts a range of sales achievement (P&L) for a product line.
• Builds stakeholder alignment in providing solutions; conveys deep product or segment context in providing advice to customers and stakeholders.
• Works independently within area of expertise.
• Responsible for growth goals (loans, deposits, fees), both individually and within the team, through development of new business, cross selling existing customers and 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.
• 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 risks, and escalate non-standard, high risk transactions / activities as necessary.
• Ensures documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations.
• Identifies, suggests and actively participates in process improvement opportunities.
• Actively manages relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements.
• Participates in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance for complex situations.
• Ensures necessary due diligence to support the accuracy of all customer transactions / activities.
• Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts.
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite.
• Assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct.

Requirements

• 4+ year degree or equivalent experience.
• Understanding of commercial business development techniques and credit decisions.
• Business development and sales ability.
• Developing network of outside referral sources for new business.
• Strong credit and financial analysis skills.
• Negotiation skills.
• Excellent communication skills, both verbal and written.
• Good PC skills.

Physical Requirements

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment – Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous