Relationship Manager III

TD•Philadelphia, PA

6d•$115,440 - $173,160

About The Position

The Relationship Manager III services large and complex business portfolios, tailoring a broad range of products and services to meet customers’ financial needs. The role acquires, develops, and manages commercial banking relationships across different commercial segments, building strategies that address customers’ current and future needs and growing the portfolio through financial solutions and new business from existing and prospective customers. As a trusted advisor, the Relationship Manager understands customers’ operating environments and structures practical, competitive solutions for financing, cash management, and broader business needs. The role is a highly seasoned professional position requiring substantial expertise in a customer segment or product and service line. It originates and monitors larger loans with moderate to complex credit needs, supports regions with complex relationships and transactions, and is accountable for sales and delivery of solutions across business lines and segments. The role manages strategic accounts and significant business development opportunities, structures complex deals and sophisticated solutions, guides customers and stakeholders, and may lead others in solving complex problems or account-management processes. The position supports commercial banking growth, credit quality, operational excellence, and risk management while contributing expertise, mentorship, and collaboration across teams and business partners.

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 loan, deposit, and fee business individually and as part of the team by developing new customers, cross-selling to existing customers, and using an established network of resources.
Make sales calls; gather financial and general business information; and coordinate financial analyses needed for credit decisions.
Contribute recommendations to loan decisions by evaluating credit risk and other relevant factors.
Negotiate terms and conditions and communicate credit decisions to prospects and customers as authorized by policy and credit approval.
Lead relationship management for an assigned portfolio, segment, or geography.
Deliver strong customer service and execute plans to improve the customer experience.
Serve as a trusted advisor by providing creative products and solutions tailored to customer needs.
Use sales platforms to build understanding of customers, prospects, industries, and markets.
Understand customers’ operating environments and structure financing, cash management, and other business solutions.
Generate referrals to business partners across the Bank and identify opportunities for internal partner referrals.
Develop and maintain retention plans for assigned portfolio deposits and loans within the territory.
Maintain expert knowledge of the market, customers, and broader economic factors, and respond to changes in the business environment with action plans.
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, communicate them, and adjust tactics.
Promote the full suite of products, services, and banking capabilities.
Assess credit requests, recommend appropriate risk decisions and deal structures, and contribute high-quality credit applications and presentations.
Support operational excellence and the timely, accurate completion of business processes and procedures.
Identify, manage, and escalate risks, including non-standard or high-risk transactions, and ensure documentation accurately reflects client and business intentions and complies with applicable requirements.
Identify and participate in process improvements and maintain alignment with enterprise and regulatory requirements.
Contribute expertise to cross-functional and enterprise initiatives and perform due diligence to support accurate customer transactions and activities.
Stay informed about emerging issues, trends, and regulatory requirements and maintain effective risk management and control practices.
Participate as a team member, support a positive and inclusive work environment, share relevant information, and contribute expertise and knowledge transfer.
Keep skills and business knowledge current, participate in performance and development activities, and support team development through mentorship and sharing best practices.
Build productive relationships with internal and external business partners and stakeholders, and represent the business area and Bank as a brand ambassador.