Business Banker II (West Palm Beach, Florida)

TD Bank • West Palm Beach, FL

13d • Onsite

About The Position

The Business Banker II services 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 segments, growing an assigned 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 expertise in a customer segment or product line. It originates and monitors loans of moderate size and complexity and/or supports a growing region, manages an assigned portfolio and territory, and leads the identification, pursuit, and management of accounts. The Business Banker applies business and financial principles, understands competitive and economic conditions and relevant legal and regulatory environments, and develops consultative, integrated solutions. The role works independently within its area of expertise and contributes to sales performance, business growth, risk management, operational excellence, and customer experience.

The position also contributes to team development and a positive, inclusive work environment. TD provides training and onboarding, career and development conversations, online learning, mentoring programs, and a competitive benefits plan.

Requirements

• A four-year degree or equivalent experience.
• Understanding of commercial business-development techniques and credit decisions.
• Business-development and sales ability.
• A developing 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 business, cross-selling to existing customers, and using an established referral network.
• Manage all aspects of relationships for an assigned portfolio, segment, and/or geography, 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.
• Contribute recommendations to loan decisions based on credit risk and other relevant factors; negotiate terms and conditions and communicate credit decisions as authorized by policy and approval.
• Advise customers and deliver tailored solutions for financing, cash management, and other business needs; provide exceptional service and improve the customer experience.
• Use sales platforms to understand customer and prospect needs, industries, and markets; generate referrals to internal bank partners.
• Develop community relationships and participate in civic and professional organizations and networking events.
• Develop and implement sales strategies to attract, acquire, and retain customers, opportunities, and referrals; plan and execute business-development activities, review results, and adjust tactics.
• Promote the full suite of products, services, and banking capabilities.
• Assess credit requests and contribute to credit applications, including risk assessment, credit structure, due diligence, and credit presentation.
• Support operational excellence and the timely, accurate completion of business processes and procedures.
• Identify and manage risks, escalate non-standard or high-risk transactions and activities, ensure accurate documentation, and conduct due diligence to support customer transactions.
• Identify and participate in process improvements; manage relationships across business lines and control functions; and support enterprise and regulatory requirements.
• Keep abreast of emerging issues, trends, and regulatory requirements, assess their potential impacts, and maintain a risk-management and control culture.
• Participate as a team member, communicate relevant updates, contribute expertise and knowledge transfer, and take part in performance, development, and cross-training activities.
• Contribute to team capability through mentorship and sharing knowledge and best practices; build productive relationships with internal and external partners.
• Support a fair, positive, and equitable environment and act as a brand ambassador for the business area and bank.

Benefits

• Base salary and variable compensation/incentive awards, including possible cash and/or equity incentive awards through participation in an incentive plan.
• 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, training, mentoring, and online learning opportunities.
• Reward and recognition programs.

What This Job Offers

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