Sr. Relationship Manager (US)

Sr. Relationship Manager

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

Physical Requirements:

• 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