Relationship Manager III

TD • Columbia, SC

10d • $115,440 - $173,160

About The Position

The Relationship Manager III services large and complex commercial business portfolios, tailoring a broad range of products and services to customers’ financial needs. The role acquires, develops, and manages commercial banking relationships across different commercial segments, building strategies to support customers’ current and future needs and growing the portfolio through existing and new business.

As a trusted advisor, the Relationship Manager understands customers’ operating environments and structures practical, competitive solutions for financing, cash management, and broader business needs. This highly seasoned professional role calls for substantial expertise in a customer segment or product line. It involves originating and monitoring larger loans with moderate to complex credit needs, managing important strategic accounts, pursuing business development, and helping solve complex problems and structure sophisticated solutions. The role works autonomously as a lead in its area of expertise and guides other team members.

The position is accountable for sales and delivery of solutions across business lines and segments, customer relationship management, credit assessment and recommendations, risk management, operational excellence, and collaboration with internal and external partners. It also contributes to team development, knowledge sharing, and a positive, equitable work environment.

Requirements

• Undergraduate degree.
• At least 7 years of relevant experience.
• In-depth understanding of the commercial industry, business-development techniques, and credit decisions.
• Proven business-development track record and 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.

Responsibilities

• Grow loans, deposits, and fee revenue individually and as part of the team by developing new customer relationships, cross-selling to existing customers, and leveraging established networks.
• Make sales calls, coordinate sales-calling efforts as needed, gather financial and business information, and coordinate analyses supporting credit decisions.
• Evaluate credit risk and other relevant factors and contribute recommendations to loan decisions.
• Negotiate terms and conditions and communicate credit decisions to prospects and customers in accordance with policy and approvals.
• Lead relationship management for an assigned portfolio, segment, and/or geography.
• Deliver excellent customer service and implement plans to continuously improve the customer experience.
• Advise customers and provide creative, customized products and solutions based on their financing, cash management, and broader business needs.
• Use sales platforms to develop a strong understanding of customer and prospect needs, industries, and markets.
• Generate referrals to bank business partners and identify internal referral opportunities that meet customers’ needs.
• Develop and maintain a retention plan for assigned portfolio deposits and loans within the territory.
• Maintain expert knowledge of the market, customers, and economic factors, and respond to changes in the business environment with action plans.
• Build community relationships and participate in civic and professional organizations and networking events.
• Develop and execute sales and business-development strategies and activities; review results and adjust tactics to attract, acquire, and retain customers and grow profitability.
• Promote the bank’s full suite of products, services, and capabilities.
• Assess credit requests and contribute to credit applications, including risk assessment, deal 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 matters, and ensure documentation accurately reflects customer and business intentions and complies with applicable requirements.
• Identify and participate in process improvements and cross-functional or enterprise initiatives, providing subject-matter expertise for complex situations.
• Maintain due diligence for accurate customer transactions and activities, keep abreast of emerging issues and regulatory requirements, and support a risk-management culture aligned with risk appetite.
• Comply with bank and industry codes of conduct and help minimize operational and regulatory risk.
• Contribute as an active team member, support a positive environment, communicate relevant updates, and share expertise and industry knowledge.
• Keep current with business trends, tools, and techniques; participate in performance, development, and cross-training activities.
• Mentor others and contribute to team skills and capabilities by sharing knowledge, experience, and best practices.
• Build productive relationships with internal and external partners and stakeholders, and contribute to a fair, positive, and equitable workplace.
• Act as a brand ambassador for the business area and the bank.

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, training, mentoring programs, and access to an online learning platform.
• Reward and recognition programs.
• Variable compensation and incentive awards, including potential eligibility for cash and/or equity incentive awards through an incentive plan.

What This Job Offers

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