Relationship Manager LM II

TD Bank • Vienna, VA

7d • Onsite

About The Position

The Business Banker II serves commercial banking customers by customizing products and services to meet their financial needs. The role acquires, develops, and manages commercial banking relationships across customer segments, providing tailored solutions to grow the portfolio and develop new business from existing and prospective customers. As a trusted advisor, the Relationship Manager understands customers’ operating environments and structures practical, competitive financing, cash management, and other business solutions.

The position manages an assigned customer portfolio within a territory or account base, leads sales and account-management activity, and contributes to loan origination and monitoring for loans of moderate size and complexity. It applies business and financial principles, market and regulatory knowledge, and consultative sales practices to deliver integrated solutions. The role works independently within its area of expertise and collaborates with customers, internal partners, and stakeholders to support business growth, customer experience, and sound risk management.

Requirements

• Four-year degree or equivalent experience.
• Understanding of commercial business-development techniques and credit decisions.
• Business-development and sales ability.
• Ability to develop a 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 loans, deposits, and fee revenue individually and as part of the team by developing new business, cross-selling to existing customers, and using established referral networks.
• Manage relationships across an assigned portfolio, customer segment, and/or geography, including developing clear 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, and negotiate terms and conditions or communicate credit decisions as authorized by policy and approvals.
• Serve as a trusted advisor by understanding customers’ operating environments and structuring financing, cash management, and other solutions that address their business needs.
• Deliver customer service and continuously improve the customer experience; use sales platforms to understand customer and target needs, industries, and markets.
• Generate referrals to internal Bank partners and identify opportunities that meet customers’ broader financial needs.
• Develop community relationships and participate in civic and professional organizations and networking events.
• Develop and execute sales and business-development strategies, review results, adjust tactics, and promote the Bank’s products, services, and capabilities.
• Assess credit requests and contribute to credit applications through risk assessment, deal structure, due diligence, and credit 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; ensure documentation accurately reflects customer and business intentions and complies with applicable rules and regulations.
• Identify and participate in process-improvement opportunities; maintain due diligence for customer transactions and activities.
• Keep current on emerging issues, trends, and regulatory requirements and assess their potential impacts; maintain a culture of risk management and comply with Bank and industry codes of conduct.
• Work with business lines, corporate and control functions, and enterprise initiatives to maintain alignment with business, enterprise, and regulatory requirements.
• Contribute to a positive team environment through communication, knowledge sharing, cross-training, mentorship, and support for team development.
• Keep colleagues informed about project and day-to-day activity status, share expertise and best practices, and develop productive relationships with internal and external stakeholders.
• Support a fair, positive, and equitable workplace and act as a brand ambassador for the business area and the Bank.

Benefits

• Base salary and variable compensation/incentive awards, including possible 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 programs, and reward and recognition.

What This Job Offers

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