Sr. Relationship Manager (US)

Sr. Relationship ManagerThe 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 resultsDevelops new business with prospects that have the largest and most complex credit needs in assigned portfolio segmentDefines new approaches to sell and deliver solutionsAnticipates emerging customer trends as a basis for recommending products and services and expanding the businessHighly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business line or segmentOversees the management and activities of large accounts and related servicing teamsManages the most strategic relationships that are characterized by significantly complex products and services provided and/or takes a significant business development focusSolves unique problems with broad impact on the business segment and financialsDevelops and implements new and innovative approaches to the sales process, including negotiation of terms and approaches to account management – provides expert advice internally and externallyImpacts a range of sales achievement for largest accounts and relationships and a significant part of one or more business linesCommunicates complex ideas, anticipates potential objections and persuades customers; negotiates significant termsProvides leadership guidance, makes recommendations and collaborates with business to ensure solutions meets the business needs on a complex project or programIdentifies and leads problem resolution for project/program complex requirements related issues at all levelsEducation & Experience:Undergraduate degree10+ years relevant experienceIn-depth understanding of commercial industry, business development techniques and credit decisionsProven business development track record, with proven ability to conceptualize and implement effective new business strategiesExtensive network of outside referral sources for new businessExcellent credit and financial analysis skillsEffective negotiation skillsPhysical Requirements:Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – Continuous