Sr. Relationship Manager (US)

C&I Senior Relationship Manager

Ready to make an impact? Join our high-performing commercial banking team!

We are seeking a proven C&I Senior Relationship Manager to play a key role in growing and deepening our commercial banking portfolio.

This is an opportunity to partner closely with business clients, delivering tailored financial solutions that drive their success while contributing meaningfully to the bank's growth. In this role, you will operate as a trusted advisor to a diverse client base, leveraging your expertise in credit, business development, and market insights to identify opportunities, structure complex solutions, and build long-term relationships with up-market clients. You'll collaborate across internal teams, influence key credit decisions, and lead strategic client engagements while shaping the future of our commercial banking presence in the communities we serve.

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

Compensation for preferred qualified candidates

Additional base salary and incentive will be considered for highly qualified candidates who meet the following preferred qualifications.

Preferred qualifications:

• Experience serving commercial businesses with annual revenues up to $250MM
• Established COI network within the Commercial Business GAR segment

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 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 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
• 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
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