Sr. Relationship Manager (Greater Miami)

TD Bank•Coral Gables, FL

63d•Onsite

About The Position

The Sr. Relationship Manager serves the needs of the community commercial banking business, customizing a broad range of products and services to meet the financial needs of TD's customers. The job acquires, develops and manages commercial banking relationships by providing customized solutions across different commercial segments to build a strategy that is right for the customer now, and in the future with a focus on growing the portfolio by providing financial solutions and developing new business from both existing and new customers. The role is a trusted advisor who, with sensitivity to the customer's operating environment, structures and packages practical and competitive solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to the customer's portfolio.

Requirements

Undergraduate degree
10+ years relevant experience
In-depth understanding of commercial industry, business development techniques and credit decisions
Proven business development track record, with proven 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

Responsible for growth goals (loans, deposits, fees), both individually and within the team, through development of new business Customers and cross selling existing Customers as well as an established network of resources
Makes sales calls and may coordinate sales calling efforts, gather related financial and general business information as directed, coordinate financial analyses needed to make credit decisions
Contributes and/or provides recommendation to loan decision process based on evaluation of credit risk and other key factors from Credit Management
Negotiates specific terms and conditions and communicate credit decisions to prospects and Customers as directed by policy and/or credit approval
Leads all aspects of relationship management for an assigned portfolio /segment and/or geography
Delivers exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
Acts as a trusted advisor expected to meet the needs of customers by providing creative products / solutions
Actively uses sales platforms to build a robust understanding of customer / target needs, industries, and markets
Understands customer's operating environment, structure unique financing, cash management and overall business needs to add value to the customer
Actively generates referrals to all business partners in the Bank to help meet the comprehensive financial needs of TD customers
Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory
Possesses and constantly enhances expert knowledge of the market, customers, and broader economic factors
Identifies and responds to changes in the business environment and establishing action plans to address customer issues and priorities
Identifies customer / prospect referral opportunities to internal Bank partners that meet customer needs
Develops community relationships and membership in civic and professional organizations, including active participation in networking events
Develops / implements sales strategies to proactively attract, acquire and retain customers / sales opportunities and referrals, to increase profitability and enable business growth
Plans and executes business development activities, review and communicate results, and adjust tactics accordingly
Promotes and offers full suite of products, sales, services and banking capabilities
Assesses credit requests to determine risk and make appropriate recommendations for structuring credit deals
Contributes to credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation
Contributes to business objectives for Operational Excellence
Supports the timely and accurate completion of business processes and procedures
Protects the interests of the organization - identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
Ensures documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations
Identifies, suggests and actively participates in process improvement opportunities
Actively manages relationships within and across various business lines/ corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements
Participates in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance for complex situations
Ensures necessary due diligence to support the accuracy of all customer transactions / activities
Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
Assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest
Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques
Participates in personal performance management and development activities, including cross training within own team
Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships.
Contributes to a fair, positive and equitable environment that supports a diverse workforce
Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

Benefits

Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as 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.

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