Relationship Manager III - Commercial (US)

Work Location:Parsippany, New Jersey, United States of AmericaHours:40Pay Details:$124,280 - $186,160 USDTD 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 BankingJob Description:The Relationship Manager III services the needs of large/complex business portfolios, 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:Highly seasoned professional role requiring substantial expertise in a customer segment or product / service lineOriginates and monitors larger loans with moderate to complex credit needs and/or supports a growing Region or a Region with more complex relationships and transactionsAccountable for sales and / or delivery of solutions across business lines and segmentsRecommends best practices to improve products or services; integrates a deep understanding of target customer market and dynamicsAnticipates, identifies and interprets market trends, and applies this knowledge to serve the needs of the customersManages existing strategic accounts/opportunities that represent the business segments largest/most important accounts and/or takes a significant business development focusesSolves or may lead others to solve complex problems; leads efforts to develop new product and service solutions or structure complex dealsExecutes and may direct others in complex account management processes – structures sophisticated solutions and adviceImpacts a range of sales achievement for strategic accountsGuides and influences customers and stakeholders; converts information to compelling business context and advice at increasingly senior levelsWorks autonomously as the 'lead' and guides members within area of expertiseIdentifies and leads problem resolution for complex requirements related issues at all levels .Education & Experience:Undergraduate degree7+ 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 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 experienceAcst 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 – 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 – ContinuousThe 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.Our Total Rewards PackageOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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, and reward and recognition. Learn moreAdditional 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 DevelopmentIf 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.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.AccommodationTD 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. #J-18808-Ljbffr TD