Sr. Relationship Manager (US)

Work Location
Charlotte, North Carolina, United States of America

Hours
40

Pay Details
$148,720 - $223,080 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
Personal & Commercial Banking

Job Description
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.

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

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