Sr. Relationship Manager (US)

TD•Manchester, NH

4d•$148,720 - $223,080•Onsite

About The Position

The Sr. Relationship Manager serves the community commercial banking business by customizing products and services to meet customers’ financial needs. The role acquires, develops, and manages commercial banking relationships across multiple commercial segments, growing the portfolio through financial solutions and new business from existing and prospective customers. As a trusted advisor, the manager understands customers’ operating environments and structures practical, competitive solutions for financing, cash management, and broader business needs. This senior role is recognized as an expert in a customer segment or product/service line. It manages complex and strategic relationships, develops business with prospects with significant credit needs, identifies market trends, and defines approaches to selling and delivering solutions. The position also oversees large accounts and servicing teams, negotiates significant terms, addresses complex problems, and provides guidance on projects and programs. The role is accountable for portfolio growth, credit recommendations, customer service, relationship retention, risk management, operational excellence, and collaboration across teams and business lines. It also contributes expertise, mentoring, and leadership to colleagues and business partners.

Requirements

Undergraduate degree.
10 or more 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

Acquire, develop, and manage commercial banking relationships, including complex and strategic accounts.
Grow loans, deposits, and fee income by developing new customers, cross-selling to existing customers, and using referral networks.
Make sales calls, coordinate calling efforts, gather customer and financial information, and coordinate financial analyses used in credit decisions.
Evaluate credit risk and contribute recommendations to loan decisions; negotiate terms and communicate credit decisions in accordance with policy and approvals.
Manage all aspects of relationships for an assigned portfolio, segment, or geography, including developing retention plans for deposits and loans.
Advise customers on financing, cash management, and other business needs, providing tailored products and solutions.
Deliver exceptional customer service and identify ways to improve the customer experience.
Use sales platforms to understand customer and prospect needs, industries, and markets; monitor economic and business conditions and develop action plans to address customer issues and priorities.
Generate referrals to internal Bank partners and develop community relationships through civic and professional organizations and networking events.
Develop and execute sales strategies and business-development activities, assess results, and adjust tactics to attract, acquire, and retain customers.
Promote the Bank’s full suite of products, services, and banking capabilities.
Contribute to credit applications through risk assessment, credit structuring, due diligence, and credit presentation.
Support operational excellence and timely, accurate completion of business processes and documentation.
Identify, manage, and escalate risks; comply with regulatory requirements and the Bank’s and industry’s codes of conduct.
Participate in process improvements, cross-functional initiatives, and knowledge transfer as a subject-matter expert.
Keep colleagues and stakeholders informed about project progress and relevant business information.
Mentor colleagues, share knowledge and best practices, support team development, and foster productive relationships with internal and external partners.
Support a positive, fair, diverse, and equitable work environment and act as a brand ambassador for the Bank.