Business Banker II

TD Bank • Forest Hills, NY

6d • Onsite

About The Position

The Business Banker II serves commercial banking customers by tailoring a broad range of products and services to their financial needs. The role acquires, develops, and manages commercial banking relationships across customer segments, builds strategies for customers’ current and future needs, and grows a portfolio by delivering financial solutions and developing business from existing and new customers. As a trusted advisor, the Business Banker understands customers’ operating environments and structures practical, competitive solutions for financing, cash management, and broader business needs.

The position requires specialized knowledge of a customer segment or product line and manages an assigned portfolio and territory or account base. It originates and monitors loans of moderate size and complexity, leads the pursuit and management of accounts, recommends solutions to complex problems, and applies consultative sales and account-management practices. The Business Banker works independently within their area of expertise and collaborates across business lines and functions to deliver solutions, manage risk, and support business growth.

Requirements

• Four or more years of post-secondary education or equivalent experience.
• Understanding of commercial business development techniques and credit decisions.
• Business development and sales ability.
• Ability to develop a network of outside referral sources for new business.
• Strong credit and financial analysis skills.
• Negotiation skills.
• Excellent verbal and written communication skills.
• Good PC skills.

Responsibilities

• Grow loan, deposit, and fee goals individually and as part of the team by developing new business, serving existing customers, and using referral networks.
• Manage customer relationships for an assigned portfolio, segment, geography, or territory, including developing retention plans for deposits and loans.
• Make sales calls, gather financial and general business information, and coordinate financial analyses needed for credit decisions.
• Evaluate credit risk and contribute recommendations to loan decisions; negotiate terms and conditions and communicate credit decisions as permitted by policy and approval.
• Provide consultative advice and creative, tailored financing, cash management, and other banking solutions.
• Use sales platforms to understand customer and prospect needs, industries, markets, and operating environments.
• Generate referrals to internal bank partners and identify opportunities that address customers’ broader financial needs.
• Build community relationships and participate in civic and professional organizations and networking events.
• Develop, implement, and adjust sales and business development strategies to attract, acquire, and retain customers and increase profitability.
• Assess credit requests and contribute to credit applications, including risk assessment, credit structure, due diligence, and credit presentations.
• Promote the bank’s products, services, and banking capabilities.
• Complete business processes and documentation accurately and on time, ensuring consistency with customer intentions and applicable rules and regulations.
• Identify and manage risks, escalate non-standard or high-risk transactions, and comply with bank and industry codes of conduct.
• Monitor emerging issues, trends, and regulatory requirements and assess their potential impacts.
• Identify and participate in process improvement opportunities and cross-functional or enterprise initiatives.
• Support a positive, inclusive team environment through communication, knowledge sharing, mentorship, teamwork, and development of internal and external relationships.
• Keep current with business trends, tools, techniques, and developments and participate in personal performance and development activities.

Benefits

• 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
• Reward and recognition
• Training and onboarding
• Online learning platform
• Mentoring programs
• Variable compensation and incentive awards, including potential cash and/or equity awards through an incentive plan

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level