Sr Relationship Manager, MM

Middle Market Senior Relationship Manager (RM), Commercial Banking

Work Location: Mount Laurel, New Jersey, United States of America
Hours: 40
Pay Details: $148,720 - $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: Personal & Commercial Banking
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
Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business
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 conceptualize 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
Customer Accountabilities:
Understands and supports the Bank's Customer Service Strategy
Considers the impact of decisions on the well-being of TD, its customers and stakeholders
Delivers legendary customer experiences

Provide the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity
Leads and models quality service delivery at every interaction
Leads and contributes to the ongoing improvement of the partner/Customer experience
Shareholder Accountabilities:
Participates in civic activities to promote growth and development of the community and support a high, positive image for TD
Develops and maintains network of referral sources and centers of influence
Maintains strong business relationships with referral sources and ensure they have current information on products and services
Coordinates with internal business partners to maximize cross-selling and referral opportunities
Supports business objectives to achieve excellence in the quality delivery of sales, service, and products aligned with "Best Run" concepts
Participates in establishing and executing plans and goals for the Business to drive toward results.
Successfully completes all required job specific, compliance-related training
Understands, utilizes and follows compliance/risk and control programs; understands and applies the principles outlined in TD's Risk Appetite statement
Maintains knowledge of business strategies, programs and practices
Ensures ongoing compliance with internal / external audit and regulatory requirements
Provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings
Maintains appropriate records of action plans
Achieves assigned sales goals; Contribute to overall strategic direction, process improvement and other initiatives
Develops and maintains knowledge about TD's products and services; maintain knowledge of new products and solutions, competition, markets and other trends
Employee/Team Accountabilities:
Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience
Participates fully as a member of the team and contribute to a positive work environment
Ensures ongoing communication with the team on issues / points of interest
Actively shares information and knowledge and proactively learn from the expertise of others
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel

Occasional
International Travel

Never
Performing sedentary work

Continuous
Performing multiple tasks

Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds

Occasional
Sitting

Continuous
Standing

Occasional
Walking

Occasional
Moving safely in confined spaces

Occasional
Lifting/Carrying (under 25 lbs.)

Occasional
Lifting/Carrying (over 25 lbs.)

Never
Squatting

Occasional
Bending

Occasional
Kneeling

Never
Crawling

Never
Climbing

Never
Reaching overhead

Never
Reaching forward

Occasional
Pushing

Never
Pulling

Never
Twisting

Never
Concentrating for long periods of time

Continuous
Applying common sense to deal with problems involving standardized situations

Continuous
Reading, writing and comprehending instructions

Continuous
Adding, subtracting, multiplying and