Business Banker II (US)

TD•Mount Laurel, NJ

9d•$91,000 - $136,240

About The Position

The Business Banker II serves commercial banking customers by customizing products and services to meet their financial needs. The role acquires, develops, and manages commercial banking relationships across customer segments, providing tailored financial solutions and growing a portfolio through existing and new business. As a trusted advisor, the Business Banker understands customers’ operating environments and structures practical, competitive solutions for financing, cash management, and broader business needs. This role requires specialized expertise in a customer segment or product line, knowledge of commercial banking and the economic and regulatory environment, and independent judgment in managing complex sales and account processes. The position originates and monitors loans of moderate size and complexity, manages an assigned portfolio and territory, and contributes to sales results and business growth. Highly qualified candidates may also be considered for a Business Banker III opportunity. The position is based in Mount Laurel, New Jersey, and is listed for 40 hours. TD provides training and onboarding, career development conversations, learning resources, and mentoring programs. The total rewards package includes base salary and variable compensation, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition.

Requirements

Four-year degree 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 business individually and as part of the team by developing new customers, cross-selling to existing customers, and using established referral networks.
Make sales calls; gather financial and general business information; and coordinate financial analyses to support credit decisions.
Contribute recommendations to loan decisions based on credit risk and other relevant factors; negotiate loan terms and communicate credit decisions as authorized.
Lead relationship management for an assigned portfolio, segment, and/or geography, delivering customer service and serving as a trusted advisor.
Use sales platforms to understand customer and prospect needs, industries, and markets, and tailor financing, cash management, and other solutions accordingly.
Generate referrals to internal bank partners and identify opportunities that address customers’ broader financial needs.
Develop and implement retention plans for assigned portfolio deposits and loans, and respond to changes in the business environment and customer priorities.
Build community relationships and participate in civic, professional, and networking organizations.
Develop and execute sales and business development strategies; review results and adjust tactics to increase profitability and support growth.
Promote the bank’s products, services, and capabilities, and assess credit requests and recommend appropriate credit structures.
Contribute to credit applications through risk assessment, credit structuring, due diligence, and credit presentations.
Support operational excellence by completing business processes accurately and on time, managing risks, maintaining appropriate documentation, and complying with regulatory and bank requirements.
Identify and participate in process improvements, maintain due diligence for customer transactions, and stay current on emerging issues and regulatory requirements.
Participate as a team member, share expertise and knowledge, support colleagues’ development, and keep stakeholders informed about work progress.
Build productive relationships with internal and external partners, contribute to a fair and positive workplace, and represent the bank as a brand ambassador.