Relationship Manager LM II

TD • Vienna, VA

9d • $97,240 - $145,600 • Onsite

About The Position

The Business Banker II services the needs of commercial banking customers by tailoring a broad range of products and services to their financial needs. The role acquires, develops, and manages commercial banking relationships across segments, builds customer strategies for current and future needs, and grows the portfolio through financial solutions and new business from existing and prospective customers. As a trusted advisor, the Relationship Manager considers each customer's operating environment and structures practical, competitive solutions addressing financing, cash management, and broader business needs.

The role requires specialized expertise in a customer segment or product/service line. It manages an assigned customer portfolio and territory, originates and monitors loans of moderate size and complexity, leads account identification and pursuit, and recommends solutions to complex customer needs. The position works independently within its area of expertise, applying business and financial principles while considering the competitive, economic, legal, and regulatory environment.

The Relationship Manager is accountable for sales and delivery of solutions across business lines and segments, contributing to portfolio growth, profitability, and customer experience. The role also supports credit decisions, risk management, operational excellence, regulatory compliance, cross-functional initiatives, and team development.

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 income individually and as part of the team by developing new customers, cross-selling to existing customers, and leveraging referral networks.
• Make sales calls, coordinate calling efforts as needed, gather customer financial and business information, and coordinate analyses used in credit decisions.
• Evaluate credit risk and other relevant factors and contribute recommendations to loan decisions.
• Negotiate terms and conditions and communicate credit decisions as permitted by policy and credit approval.
• Lead relationship management for an assigned portfolio, segment, and/or geography, including customer retention planning for deposits and loans.
• Provide exceptional customer service and act as a trusted advisor by developing solutions tailored to customers' financing, cash management, and business needs.
• Use sales platforms to understand customer and target needs, industries, and markets; maintain expertise in the market and economic factors affecting customers.
• Generate referrals to internal Bank partners and develop community relationships through 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 banking products, services, and capabilities.
• Assess credit requests and contribute to high-quality credit applications, including risk assessment, deal structure, due diligence, and credit presentations.
• Support operational excellence and the timely, accurate completion of business processes and procedures.
• Identify, manage, and escalate risks; ensure documentation and customer transactions are accurate and comply with applicable rules, regulations, and requirements.
• Identify and participate in process improvements and cross-functional or enterprise initiatives, providing expertise and guidance on complex situations.
• Keep abreast of emerging issues, trends, and regulatory requirements; support a risk-management culture aligned with the Bank's risk appetite and Code of Conduct.
• Contribute to a positive, inclusive team environment, share expertise, participate in training and development, and mentor others.
• Keep colleagues and stakeholders informed about project progress and relevant day-to-day information, and build productive relationships with internal and external partners.
• Represent the business area and Bank as a brand ambassador.

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 and reward and recognition.

What This Job Offers

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