Sr. Relationship Manager (US)

TD•Hartford, CT

10d•$148,720 - $223,080•Onsite

About The Position

The Sr. Relationship Manager serves TD’s community commercial banking business by customizing products and services to meet customers’ financial needs. The role acquires, develops, and manages commercial banking relationships across different commercial segments, developing strategies that address customers’ current and future needs and growing the portfolio through financial solutions and new business from existing and prospective customers. As a trusted advisor, the role evaluates customers’ operating environments and structures practical, competitive solutions for financing, cash management, and broader business needs. It is a senior expert position responsible for complex and strategic relationships, large accounts, business development, sales strategy, credit recommendations, and guidance on complex projects and programs. The role also contributes to team development, operational excellence, risk management, and regulatory compliance.

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

Grow loan, deposit, and fee business individually and as part of the team by developing new customer relationships, cross-selling to existing customers, and using an established network of resources.
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 as authorized.
Lead relationship management for an assigned portfolio, segment, or geography and provide exceptional customer service and tailored solutions.
Use sales platforms to understand customer and target needs, industries, and markets; identify changes in the business environment and establish action plans for customer issues and priorities.
Develop retention plans for assigned portfolio deposits and loans, generate referrals to internal business partners, and build community relationships through civic and professional organizations and networking events.
Develop and implement sales strategies and business development activities to attract, acquire, and retain customers and referrals, increase profitability, and support business growth.
Promote the bank’s products, services, and capabilities; assess credit requests; and contribute to credit applications, risk assessments, deal structures, due diligence, and credit presentations.
Support operational excellence and timely, accurate completion of business processes; protect organizational interests by identifying, managing, and escalating risks as appropriate.
Ensure documentation is accurate and consistent with customer intentions, applicable rules, and regulations; participate in process improvements and cross-functional initiatives.
Maintain effective relationships across business lines and control functions, conduct due diligence for customer transactions, monitor emerging issues and regulatory requirements, and support a culture of risk management.
Participate as a team member, share expertise and knowledge, keep colleagues informed, pursue development and cross-training, and mentor others.
Lead, motivate, and develop productive relationships with internal and external partners and stakeholders; contribute to a fair, positive, and equitable workplace and represent TD as a brand ambassador.