Business Banker II

Business Banker IIWork Location: Forest Hills, New York, United States of AmericaHours: 40Pay Details: $97,240 - $145,600 USDLine of Business: Personal & Commercial BankingJob Description: The Business Banker II services the needs of commercial banking business, customizing a broad range of products and services to meet the financial needs of TD's customers. This role 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:Requires deep/specialized expertise in a customer segment or product/service lineOriginates and monitors loans of moderate size and complexity and/or supports a growing Region Accountable for sales and / or delivery of solutions across business lines and segmentsApplies business and financial principles to improve delivery of the products and services providedPossesses a deep understanding of the business, the competitive landscape, and the economic and legal/regulatory environment affecting the industry and customer segmentProvides customer relationship management of an assigned customer portfolio within an assigned territory / account base; serves as a segment or product expertLeads the identification, pursuit and management of accounts across a product or customer segmentSolves complex problems and recommends new product and service solutionsSets standards for planning and executing complex sales or account management processes; focuses on "consultative" advice and integrated solutionsImpacts a range of sales achievement (P&L) for a product lineBuilds stakeholder alignment in providing solutions; conveys deep product or segment context in providing advice to customers and stakeholdersWorks independently within area of expertiseEducation & Experience:4+ year degree or equivalent experienceUnderstanding of commercial business development techniques and credit decisionsBusiness development and sales abilityDeveloping network of outside referral sources for new businessStrong credit and financial analysis skillsNegotiation skillsExcellent communication skills, both verbal and writtenGood PC skillsCustomer 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 resourcesMakes sales calls and may coordinate sales calling efforts, gather related financial and general business information as directed, coordinate financial analyses needed to make credit decisionsContributes and/or provides recommendation to loan decision process based on evaluation of credit risk and other key factors from Credit ManagementNegotiates specific terms and conditions and communicate credit decisions to prospects and Customers as directed by policy and/or credit approvalLeads all aspects of relationship management for an assigned portfolio /segment and/or geographyDelivers exceptional customer service at every interaction and execute on plans to continuously improve the customer experienceActs as a trusted advisor expected to meet the needs of customers by providing creative products / solutionsActively uses sales platforms to build a robust understanding of customer / target needs, industries, and marketsUnderstands customer's operating environment, structure unique financing, cash management and overall business needs to add value to the customerActively generates referrals to all business partners in the Bank to help meet the comprehensive financial needs of TD customersDevelops a clear retention plan for assigned portfolio deposits and loans within the specified territoryPossesses and constantly enhances expert knowledge of the market, customers, and broader economic factorsIdentifies and responds to changes in the business environment and establishing action plans to address customer issues and prioritiesIdentifies customer / prospect referral opportunities to internal Bank partners that meet customer needsDevelops community relationships and membership in civic and professional organizations, including active participation in networking eventsShareholder Accountabilities:Develops/implements sales strategies to proactively attract, acquire and retain customers / sales opportunities and referrals, to increase profitability and enable business growthPlans and executes business development activities, review and communicate results, and adjust tactics accordinglyPromotes and offers full suite of products, sales, services and banking capabilitiesAssesses credit requests to determine risk and make appropriate recommendations for structuring credit dealsContributes to credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentationContributes to business objectives for Operational ExcellenceSupports the timely and accurate completion of business processes and proceduresProtects the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessaryEnsures documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulationsIdentifies, suggests and actively participates in process improvement opportunitiesActively manages relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirementsParticipates in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance for complex situationsEnsures necessary due diligence to support the accuracy of all customer transactions / activitiesKeeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impactsMaintains a culture of risk management and control, supported by effective processes in alignment with risk appetiteAssumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of ConductEmployee/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 interestProvides thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unitKeeps current on emerging trends/ developments and grow knowledge of the business, related tools and techniquesParticipates in personal performance management and development activities, including cross training within own teamKeeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activitiesContributes 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 workforceActs as a brand ambassador for your business area/function and the bank, both internally and/or externallyPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%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 –