Relationship Manager III

TD Bank • Columbia, SC

9d

About The Position

The Relationship Manager III services large and complex business portfolios by customizing commercial banking products and services to meet customer financial needs. The role acquires, develops, and manages commercial banking relationships across commercial segments, building strategies for customers’ current and future needs and growing the portfolio through financial solutions and business development with existing and new customers. As a trusted advisor, the Relationship Manager understands customers’ operating environments and structures practical, competitive financing, cash management, and other solutions that add value to their businesses.

This is a highly seasoned professional role requiring substantial expertise in a customer segment or product or service line. The Relationship Manager originates and monitors larger loans with moderate to complex credit needs, manages strategic accounts and significant business development opportunities, and may lead efforts to solve complex problems or develop new products, services, and deal structures. The position works autonomously as a lead in its area of expertise and guides customers, stakeholders, and colleagues.

The role is accountable for sales and delivery across business lines and segments, including loan, deposit, and fee growth; relationship management; credit assessment and recommendations; operational excellence; risk management; and customer service. It also contributes to team development, knowledge sharing, and productive relationships with internal and external 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 goals individually and as part of the team through new business development, cross-selling, and established referral networks.
• Make sales calls, gather financial and 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.
• Lead relationship management for an assigned portfolio, segment, or geography and deliver exceptional customer service.
• Act as a trusted advisor by developing customized financing, cash management, and other solutions for customers.
• Use sales platforms to understand customer and target needs, industries, and markets.
• Generate referrals to business partners across the Bank and identify opportunities to meet customers’ comprehensive financial needs.
• Develop retention plans for assigned portfolio deposits and loans within the specified territory.
• Maintain expert knowledge of the market, customers, and broader economic factors; respond to business-environment changes and customer priorities.
• Develop community relationships and participate in civic and professional organizations and networking events.
• Develop and implement sales strategies to attract, acquire, and retain customers, sales opportunities, and referrals to support profitability and growth.
• Plan and execute business development activities, review and communicate results, and adjust tactics accordingly.
• Promote the Bank’s full suite of products, services, and banking capabilities.
• Assess credit requests, recommend appropriate risk decisions, and contribute high-quality credit applications, including risk assessment, credit structure, due diligence, and presentation.
• Support operational excellence and timely, accurate completion of business processes and procedures.
• Identify, manage, and escalate risks, including non-standard or high-risk transactions and activities; ensure documentation accurately reflects client and business intentions and complies with applicable requirements.
• Identify and participate in process improvements, cross-functional initiatives, and due diligence supporting accurate customer transactions.
• Stay current on emerging issues, trends, and regulatory requirements; maintain risk-management and control practices aligned with risk appetite and codes of conduct.
• Participate as a team member, support a positive and inclusive work environment, communicate relevant updates, and contribute knowledge and industry expertise.
• Participate in performance and development activities, cross-training, mentoring, and sharing best practices to develop team capabilities.
• Build productive working relationships with internal and external business partners and stakeholders.
• Serve as a brand ambassador for the business area and the Bank.

Benefits

• Base salary and variable compensation/incentive awards, potentially including cash and/or equity incentive awards through 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 reward and recognition programs.

What This Job Offers

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