Relationship Manager III
About The Position
The Relationship Manager III services large and complex business portfolios by customizing a broad range of products and services to meet TD customers’ 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 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. This is a highly seasoned professional role requiring substantial expertise in a customer segment or product/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, leads complex problem-solving and account management, and guides customers and stakeholders with business context and advice. The position is based in Alexandria, Virginia, and lists 40 hours. Physical requirements include continuous sedentary work, multitasking, operating standard office equipment, sitting, concentration, reading, writing, and basic arithmetic. Domestic travel is occasional; international travel is never. Other physical activities, including standing, walking, and lifting or carrying under 25 pounds, are occasional.
Requirements
- Undergraduate degree.
- 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 customers, cross-selling to existing customers, and using an established network of resources.
- Make sales calls and coordinate sales-calling efforts as appropriate; gather financial and business information and coordinate analyses needed for credit decisions.
- Evaluate credit risk and other key factors, contribute recommendations to loan decisions, negotiate terms and conditions, and communicate credit decisions as directed by policy and approval.
- Lead relationship management for an assigned portfolio, segment, or geography and deliver exceptional customer service while improving the customer experience.
- Advise customers on creative products and solutions tailored to financing, cash management, and broader business needs.
- Use sales platforms to understand customer and target needs, industries, and markets; maintain expert knowledge of market, customer, and economic factors.
- Generate referrals to internal business partners and identify customer and prospect opportunities that meet customers’ comprehensive financial needs.
- Develop and execute retention plans for assigned portfolio deposits and loans within the territory.
- Build community relationships and participate in civic and professional organizations and networking events.
- Develop, implement, and adjust sales strategies and business development activities to attract, acquire, and retain customers and increase profitability.
- Promote the full suite of products, services, sales, and banking capabilities.
- Assess credit requests, recommend appropriate credit structures, and contribute to high-quality credit applications, risk assessments, due diligence, and credit presentations.
- Support operational excellence and timely, accurate completion of business processes and procedures.
- Identify and manage risks; escalate non-standard or high-risk transactions and activities; ensure documentation is accurate and consistent with relevant rules and regulations.
- Participate in process improvement opportunities and cross-functional or enterprise initiatives as a subject matter expert.
- Maintain alignment with enterprise and regulatory requirements, complete due diligence supporting customer transactions, and stay current on emerging issues and regulatory requirements.
- Support a culture of risk management and control and comply with the Bank and industry Code of Conduct.
- Participate as a team member, communicate relevant updates, share expertise and best practices, and contribute to team development through mentorship and knowledge transfer.
- Maintain current knowledge of emerging trends, business developments, and related tools and techniques; participate in performance management, development, and cross-training.
- Develop productive relationships with internal and external business partners and stakeholders, contribute to a fair and positive environment, and represent the business area and bank as a brand ambassador.
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
- Reward and recognition
- Training and onboarding
- Online learning platform
- Mentoring programs
- Variable compensation/incentive awards, potentially including cash and/or equity awards
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What This Job Offers
Job Type
Full-time
Career Level
Senior
