Sr Relationship Manager, MM (US)

Work Location
Boston, Massachusetts, États-Unis d'Amérique

Hours
40

Pay Details
$160,160 - $240,240 USD

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.

Line Of Business
Services bancaires personnels et commerciaux

Job Description
The Middle Market (MM) Senior Relationship Manager (RM), Commercial Banking, is an external sales role that proactively executes integrated sales, service, and relationship strategies with responsibility for obtaining new and growing existing commercial relationships within the Middle Market target space. This role is the principal point of client acquisition and retention of existing and ongoing relationships. Relationship Managers work both independently and as part of the Middle Market Team to secure new and maximize existing profitable commercial relationships by cross‑selling the full range of TD's products and services, such as lending, treasury management, capital markets, investment services and other financial solutions.

Depth & Scope

Leads the formulation and implementation of long and short‑term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth throughout the marketplace

Works independently to develop new business with prospects that have the largest and most complex credit needs in assigned portfolio segment

Maintains or establishes largest portfolio segment and geography for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new business Customers and cross‑selling existing Customers as well as an established network of resources

Facilitates larger transactions and relationships referred to Commercial relationship management according to prescribed Bank parameters

Makes calls independently and invites less experienced Relationship Managers to join as a development opportunity

Contributes to the coaching, training, development and team leadership of less experienced Relationship Managers

Makes and assists in sales calls, gathers financial and general business information and explains products and services offered

Negotiates terms and conditions within parameters defined by credit decisions; finalizes loan agreements with prospects and Customers and closes sales

Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management

Assists in issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategy

Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory

Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity

Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business

Develops broader knowledge base of commercial and small business, other Company products and services, which may include loan policy, documentation, structuring and regulatory requirements

Maintains frequent interaction with centers of influence, diverse industry segments, community leaders, and senior business contacts

Develops community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking events

Prepares and submits all reports, may prepare management reports summarizing individual and team loan activity

Education & Experience

4 year degree or equivalent experience

10+ years related experience

In‑depth understanding of commercial industry, business development techniques and credit decisions

Proven business development track record, with proven ability to conceptualise and implement effective new business strategies

Extensive network of outside referral sources for new business

Excellent credit and financial analysis skills

Refined negotiation skills

Proven communication skills, both verbal and written

Proven PC skills

Demonstrated experience in Commercial & Industrial, Divestitures, Mergers & Acquisition loans

Demonstrated experience in syndicated loans

Beneficial Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well‑being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well‑being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

Equal Opportunity Employer
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, colour, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

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