Relationship Manager

## Relationship Manager IIIApplyremote type: On Sitelocations: Baltimore, Marylandtime type: Full timeposted on: Posted Todaytime left to apply: End Date: August 21, 2026 (10 days left to apply)job requisition id: R\_1499968**Work Location:**Calverton, Maryland, United States of America**Hours:**40**Pay Details:**$124,280 - $186,160 USDTD 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 Relationship Manager III services the needs of large/complex business portfolios, 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:*** Highly seasoned professional role requiring substantial expertise in a customer segment or product / service line* Originates and monitors larger loans with moderate to complex credit needs and/or supports a growing Region or a Region with more complex relationships and transactions* Accountable for sales and / or delivery of solutions across business lines and segments* Recommends best practices to improve products or services; integrates a deep understanding of target customer market and dynamics* Anticipates, identifies and interprets market trends, and applies this knowledge to serve the needs of the customers* Manages existing strategic accounts/opportunities that represent the business segments largest/most important accounts and/or takes a significant business development focuses* Solves or may lead others to solve complex problems; leads efforts to develop new product and service solutions or structure complex deals* Executes and may direct others in complex account management processes – structures sophisticated solutions and advice* Impacts a range of sales achievement for strategic accounts* Guides and influences customers and stakeholders; converts information to compelling business context and advice at increasingly senior levels* Works autonomously as the 'lead' and guides members within area of expertise* Identifies and leads problem resolution for complex requirements related issues at all levels . **Education & Experience:*** Undergraduate degree* 7+ 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* Acst 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 escalate 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 ensure 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, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest* Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit* Keeps current on emerging trends/ developments and grow knowledge of the business, related tools and techniques* Participates in personal performance management and development activities, including cross training within own team* Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities* Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.* Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships.* Contributes to a fair, positive and equitable environment that supports a diverse workforce* Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally**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 dividing – ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. #J-18808-Ljbffr