Senior Relationship Manager

About the role

The Sr. Relationship Manager serves the needs of the community commercial banking business, customizing a broad range of products and services to meet the financial needs of TD's 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.

Responsibilities

• Responsible for growth goals (loans, deposits, fees), both individually and within the team, through development of new business
• Responsible for making sales calls and coordinating sales calling efforts, gathering related financial and general business information as directed, coordinating financial analyses needed to make credit decisions
• Responsible for contributing and/or providing recommendations to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• Responsible for negotiating specific terms and conditions and communicating credit decisions to prospects and customers as directed by policy and/or credit approval
• Responsible for leading all aspects of relationship management for an assigned portfolio /segment and/or geography
• Responsible for delivering exceptional customer service at every interaction and executing on plans to continuously improve the customer experience
• Responsible for actively using sales platforms to build a robust understanding of customer / target needs, industries, and markets
• Responsible for identifying and responding to changes in the business environment and establishing action plans to address customer issues and priorities
• Responsible for identifying customer / prospect referral opportunities to internal Bank partners that meet customer needs
• Responsible for developing and implementing new and innovative approaches to the sales process, including negotiation of terms and approaches to account management – provides expert advice internally and externally
• Responsible for solving unique problems with broad impact on the business segment and financials
• Responsible for managing the most strategic relationships that are characterized by significantly complex products and services provided and/or taking a significant business development focus
• Responsible for overseeing the management and activities of large accounts and related servicing teams
• Responsible for communicating complex ideas, anticipating potential objections and persuading customers; negotiating significant terms
• Responsible for identifying and leading problem resolution for project/program complex requirements related issues at all levels

Requirements

• Undergraduate degree
• 10+ 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

Qualifications

• Recognized as top level expert within the company in a customer segment or product/service line with responsibility for identifying and interpreting trends in the market to structure portfolios and get results
• Develops new business with prospects that have the largest and most complex credit needs in assigned portfolio segment
• Defines new approaches to sell and deliver solutions
• Anticipates emerging customer trends as a basis for recommending products and services and expanding the business
• Holds a highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business line or segment
• Manages the most strategic relationships that are characterized by significantly complex products and services provided and/or takes a significant business development focus
• Solves unique problems with broad impact on the business segment and financials
• Develops and implements new and innovative approaches to the sales process, including negotiation of terms and approaches to account management – provides expert advice internally and externally
• Impacts a range of sales achievement for largest accounts and relationships and a significant part of one or more business lines
• Communicates complex ideas, anticipates potential objections and persuades customers; negotiates significant terms
• Provides leadership guidance, makes recommendations and collaborates with business to ensure solutions meets the business needs on a complex project or program
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Skills

• Recognized as top level expert within the company in a customer segment or product/service line with responsibility for identifying and interpreting trends in the market to structure portfolios and get results
• Develops new business with prospects that have the largest and most complex credit needs in assigned portfolio segment
• Defines new approaches to sell and deliver solutions
• Anticipates emerging customer trends as a basis for recommending products and services and expanding the business
• Holds a highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business line or segment
• Manages the most strategic relationships that are characterized by significantly complex products and services provided and/or takes a significant business development focus
• Solves unique problems with broad impact on the business segment and financials
• Develops and implements new and innovative approaches to the sales process, including negotiation of terms and approaches to account management – provides expert advice internally and externally
• Impacts a range of sales achievement for largest accounts and relationships and a significant part of one or more business lines
• Communicates complex ideas, anticipates potential objections and persuades customers; negotates significant terms
• Provides leadership guidance, makes recommendations and collaborates with business to ensure solutions meets the business needs on a complex project or program
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Benefits

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our 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.

Pay

$160,160 - $240,240 USD

Schedule

Hours 40