Business Banker III - South Jersey

Job Description The Business Banker 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. 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 Highly seasoned professional role requiring substantial expertise in a customer segment or product/service line. Originates and monitors larger loans with moderate to complex credit needs and/or supports a growing region or a region with more complex relationships and transactions. Accountable for sales and/or delivery of solutions across business lines and segments. Recommends best practices to improve products or services; integrates a deep understanding of target customer market and dynamics. Anticipates, identifies and interprets market trends, and applies this knowledge to serve the needs of the customers. Manages existing strategic accounts/opportunities that represent the business segment’s largest/most important accounts and/or takes a significant business development focus. Solves or may lead others to solve complex problems; leads efforts to develop new product and service solutions or structure complex deals. Executes and may direct others in complex account management processes – structures sophisticated solutions and advice. Impacts a range of sales achievement for strategic accounts. Guides and influences customers and stakeholders; converts information to compelling business context and advice at increasingly senior levels. Works autonomously as the lead and guides members within area of expertise. Identifies and leads problem resolution for complex requirements related issues at all levels. Education & Experience 4+ year degree or equivalent 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 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, and coordinate financial analyses needed to make credit decisions. Contributes and/or provides recommendation to the loan decision process based on evaluation of credit risk and other key factors from Credit Management. Negotiates specific terms and conditions and communicates 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 executes on plans to continuously improve the customer experience. Acts as a trusted advisor expected to meet the needs of customers by providing creative products and solutions. Uses sales platforms to build a robust understanding of customer/target needs, industries, and markets. Understands customers’ operating environment; structures unique financing, cash management and overall business needs to add value to the customer. 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 establishes 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, reviews and communicates results, and adjusts tactics accordingly. Promotes and offers the full suite of products, services and banking capabilities. Assesses credit requests to determine risk and makes appropriate recommendations for structuring credit deals. Contributes to credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation. Supports the timely and accurate completion of business processes and procedures. Protects the interests of the organization – identifies and manages risks, and escalates non‑standard, high‑risk transactions/activities as necessary. Ensures documentation prepared/completed is accurate and properly reflects client/business intentions and is consistent with relevant rules and regulations. 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. Provides thought leadership and industry knowledge for own area of expertise and shares knowledge with the team. Keeps current on emerging trends and developments and grows knowledge of the business, related tools and techniques. Participates in personal performance management and development activities, including cross‑training within the team. 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 and stakeholders to build 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 Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous Total Rewards Package TD’s 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. The package includes base salary, variable compensation and incentive awards, health and well‑being benefits, savings and retirement programs, paid time off (including vacation, flex and holiday PTO), banking benefits and discounts, career development, and reward and recognition programs. 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. Work Details Work Location: Glassboro, New Jersey, United States of America Hours: 40 Pay Details: $115,440 – $173,160 USD #J-18808-Ljbffr TD Bank, N.A.