Sr. Relationship Manager (US)

About the role

Join our High- Performing Commercial Banking Team! We are seeking a proven C&I Senior Relationship Manager to play a key role in growing and deepening our commercial banking portfolio.

Responsibilities

• Operate as a trusted advisor to a diverse client base, leveraging expertise in credit, business development, and market insights to identify opportunities, structure complex solutions, and build long-term relationships with up-market clients.
• Collaborate across internal teams, influence key credit decisions, and lead strategic client engagements while shaping the future of our commercial banking presence in the communities we serve.
• Responsible for growth goals (loans, deposits, fees), both individually and within the team, through development of new business.
• Make sales calls and gather related financial and general business information as directed, coordinate financial analyses needed to make credit decisions.
• Contribute and/or provide recommendation to loan decision process based on evaluation of credit risk and other key factors from Credit Management.
• Negotiate specific terms and conditions and communicate credit decisions to prospects and customers as directed by policy and/or credit approval.
• Lead all aspects of relationship management for an assigned portfolio /segment and/or geography.
• Deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience.
• Actively uses sales platforms to build a robust understanding of customer / target needs, industries, and markets.
• Identifies and responds to changes in the business environment and establishes action plans to address customer issues and priorities.
• 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.
• Assists in the timely and accurate completion of business processes and procedures.
• Assists in the identification and management of risks and escalation of non-standard, high-risk transactions / activities as necessary.
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite.

Requirements

• Undergraduate degree
• 10+ years relevant experience
• In-depth understanding of commercial industry, business development techniques and credit decisions
• Prioritizes business development track record, with proven ability to conceptualize and implement effective new business strategies
• Extensive network of outside referral sources for new business
• Extensive credit and financial analysis skills
• Effective negotiation skills

Qualifications

• Established COI network within the Commercial Business GAR segment
• Experience serving commercial businesses with annual revenues up to $250MM

Skills

• Recognized as top level expert within the company in a customer segment or product/service line
• Identifies and interprets 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
• 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
• Communicates complex ideas, anticipates potential objections and persuades customers; negotiates significant terms
• 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

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.

Pay

$148,720 - $223,080 USD

Schedule

Hours 40