Senior Relationship Manager - Jacksonville, FL

Sr. Relationship Manager
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 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.

Work Location: Jacksonville, Florida, United States of America

Hours: 40

Pay Details: $141,960 - $213,200 USD

Line of Business: Personal & Commercial Banking

Job Description:
Depth & Scope

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

Highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business line or segment

Oversees the management and activities of large accounts and related servicing teams

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

Education & Experience

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

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 risks, and elevate 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 ensures 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

Employee/Team Accountabilities

Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest

Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit

Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques

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