Sr Relationship Manager, Middle Market, NY Long Island

Company Overview

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.td.com/us. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US and www.twitter.com/TDNews_US.

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com.

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

Department Overview

The Sr. Relationship Manager, Middle Market is an external sales role that focuses on growing a Commercial portfolio through building new customer relationships. This job meets or exceeds annual sales, revenue, volume & new customer objectives. The Sr. Relationship Manager, Middle Market maximizes profitability, revenue and retention of new relationships by cross selling the full range of products and services. This job is the primary contact for developing new client relationships while managing existing Customer relationships.

Job Details

• Works independently to develop new business with prospects that have the largest and most complex credit needs in assigned portfolio segment
• Maintains or establishes largest portfolio segment and geography for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new business Customers and cross selling existing Customers as well as an established network of resources
• Facilitates that larger transactions and relationships referred to Commercial relationship management and/or Small Business as appropriate for role according to prescribed Bank parameters
• Makes calls independently and invites less experienced Relationship Managers to join as a development opportunity
• Contributes to the coaching, training, development and team leadership of less experienced Relationship Managers
• Makes or assists in sales calls, gathers financial and general business information and explains products and services offered
• Coordinates financial analysis needed to make credit decisions
• May negotiate terms and conditions within parameters defined by credit decisions; finalizes loan agreements with prospects and Customers and closes sales
• May utilize the Small Business Credit Center and may act as a liaison between the assigned territory's Stores and the Credit Centers
• Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• May assist in issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategy
• Develops market expertise and/or target niche industries in the assigned territory; maintains established market presence and cultivates extensive network of outside referral sources of new business
• Works with Regional Vice President (RVP) to develop go to market strategies, may include partnering with Regional Market Manager (RMM) in leading prospecting campaigns and coordinating efforts with Store Managers
• Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory, and may execute this plan in conjunction with the Store Managers; this may include coordinating sales calling efforts
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business
• Partners with Stores, RMMs, and RVPs in defined market area for consistent delivery of TD Bank WOW! Customer Experience and CWI performance targets
• May provide assigned portfolio leadership and guidance to the Store Managers in the territory as appropriate
• Develops broader knowledge base of commercial and small business, other Company products and services, which may include loan policy, documentation, structuring and regulatory requirements
• Develops community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking events
• Educates and supports Store Managers and staff about products, lending process, escalation of Credit Center overrides and closing loans
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity

#LI-Hybrid

Inclusiveness

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.

If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at [email protected] . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.

Qualifications

• 4 year degree or equivalent experience
• 10+ years related 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
• Refined negotiation skills
• Proven communication skills, both verbal and written
• Proven PC skills
• Membership in civic and professional organizations required