Sr. Relationship Manager (US)

Work Location, Hours, and Pay Details

Coral Gables, Florida, 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. 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 elevate 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 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 – Continuous The 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.

Who We Are

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, 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. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at View email address on click.appcast.io. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.

Additional Information

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Our Total Rewards Package

• base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan)
• 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
• reward and recognition

Learning Resources

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