Sr Relationship Manager, MM (US)

TD • Charlotte, NC

21d • $220,000 - $250,000

About The Position

TD is seeking a subject matter relationship executive with deep credit skills and prior experience working with companies with $100 million–$2 billion in review in the Waste Management industry. The role will help build a dedicated industry team, initially focused on privately held or private-equity-owned waste companies, including residential and commercial waste collection businesses and potentially landfill owners. The work location is flexible, with Charlotte, North Carolina listed as the work location.

The Relationship Manager develops business and manages complex commercial customer relationships and credit needs. The role contributes to strategic growth, portfolio development, customer retention, credit decisions, sales, risk and compliance activities, and team development. It also represents TD through referral networks, community relationships, and participation in civic and professional organizations.

The position calls for at least 10 years of related experience, strong commercial credit and financial analysis capabilities, and demonstrated experience with Commercial & Industrial lending, divestitures, mergers and acquisitions, and syndicated loans. A four-year degree or equivalent experience is required.

Requirements

• Four-year degree or equivalent experience.
• 10 or more years of related 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.
• Refined negotiation skills.
• Proven verbal and written communication skills.
• Proven PC skills.
• Demonstrated experience in Commercial & Industrial lending, divestitures, mergers and acquisitions loans.
• Demonstrated experience in syndicated loans.
• Deep credit skills and prior experience working with companies with $100 million–$2 billion in review in the Waste Management industry.

Responsibilities

• Lead the formulation and implementation of short- and long-term strategic plans to increase market share and maximize growth opportunities.
• Independently develop new business with prospects that have the largest and most complex credit needs in the assigned portfolio segment.
• Grow loans, deposits, and fees individually and as part of the team by acquiring new customers, cross-selling to existing customers, and using established resource networks.
• Facilitate larger transactions and relationships referred to Commercial relationship management within prescribed Bank parameters.
• Make sales calls independently and invite less experienced Relationship Managers to participate as a development opportunity.
• Coach, train, develop, and provide team leadership to less experienced Relationship Managers.
• Make and assist with sales calls, gather financial and general business information, and explain products and services.
• Negotiate terms and conditions within credit decision parameters, finalize loan agreements, and close sales.
• Contribute to loan decisions by evaluating credit risk and other key factors with Credit Management.
• Assist with issue resolution, including delinquencies and problem credits, and coordinate with credit support and product partners in support of regional strategy.
• Develop and execute a retention plan for assigned portfolio deposits and loans within the specified territory.
• Generate referrals to bank business partners to address the comprehensive financial needs of entrepreneurs and borrowing entities.
• Build relationships with internal referral sources and develop a network of external referral sources.
• Develop broader knowledge of commercial and small-business products and services, loan policy, documentation, structuring, and regulatory requirements.
• Maintain frequent interaction with centers of influence, diverse industry segments, community leaders, and senior business contacts.
• Develop community relationships through CRA initiatives and civic and professional organizations, including participation in networking events.
• Prepare and submit required reports and, when applicable, management reports summarizing individual and team loan activity.
• Support the Bank's customer service strategy, consider the impact of decisions on TD and its stakeholders, and lead quality service delivery and improvement of the customer and partner experience.
• Participate in civic activities, maintain referral-source relationships, coordinate cross-selling opportunities, and support business sales and service objectives.
• Complete required job-specific and compliance training; follow risk, control, audit, regulatory, and compliance requirements; respond to audit, regulator, and compliance requests; and maintain records of action plans.
• Achieve assigned sales goals and contribute to strategic direction, process improvement, and other initiatives.
• Maintain knowledge of TD products and services, new solutions, competition, markets, and trends.
• Contribute to an inclusive, positive team environment, communicate relevant issues, and share knowledge while learning from colleagues.

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
• Variable compensation and incentive awards, including possible cash and/or equity incentive awards

What This Job Offers

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