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About the Role

The Business Banker II services the needs of Commercial banking business, customizing a broad range of products and services to meet the financial needs of TD's customers. This role 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.

Responsibilities

Services the needs of Commercial banking business, customizing a broad range of products and services.
Acquires, develops and manages commercial banking relationships.
Provides customized solutions across different commercial segments.
Structures and packages practical and competitive solutions.
Responsible for growth goals (loans, deposits, fees), both individually and within the team.
Makes sales calls and may coordinate sales calling efforts.
Contributes and/or provides recommendation to loan decision process.
Negotiates specific terms and conditions and communicate credit decisions.
Leads all aspects of relationship management for an assigned portfolio /segment and/or geography.
Delivers exceptional customer service at every interaction.
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.
Actively generates referrals to all business partners in the Bank.
Develops a clear retention plan for assigned portfolio deposits and loans.
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.
Identifies customer / prospect referral opportunities to internal Bank partners.
Develops community relationships and membership in civic and professional organizations.
Develops/implements sales strategies to proactively attract, acquire and retain customers / sales opportunities and referrals.
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.
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.
Ensures documentation that is prepared / completed is accurate and properly reflects client / business intentions.
Identifies, suggests and actively participates in process improvement opportunities.
Actively manages relationships within and across various business lines/ corporate and/or control functions.
Participates in cross-functional / enterprise initiatives as a subject matter expert.
Ensures necessary due diligence to support the accuracy of all customer transactions / activities.
Keeps abreast of emerging issues, trends, and evolving regulatory requirements.
Maintains a culture of risk management and control.
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, support a positive work environment.
Provides thought leadership and/or industry knowledge for own area of expertise.
Keeps current on emerging trends/ developments and grow knowledge of the business.
Participates in personal performance management and development activities.
Keeps others informed and up-to-date about the status / progress of projects.
Contributes to team development of skills and capabilities through mentorship of others.
Leads, motivates and develops relationships with internal and external business partners / stakeholders.
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.

Requirements

4+ year degree or equivalent experience
Understanding of commercial business development techniques and credit decisions
Business development and sales ability
Developing network of outside referral sources for new business
Strong credit and financial analysis skills
Negotiation skills
Excellent communication skills, both verbal and written
Good PC skills
Requires deep/specialized expertise in a customer segment or product/service line
Originates and monitors loans of moderate size and complexity and/or supports a growing Region
Accountable for sales and / or delivery of solutions across business lines and segments
Applies business and financial principles to improve delivery of the products and services provided
Possesses a deep understanding of the business, the competitive landscape, and the economic and legal/regulatory environment
Provides customer relationship management of an assigned customer portfolio within an assigned territory / account base
Serves as a segment or product expert
Leads the identification, pursuit and management of accounts across a product or customer segment
Solves complex problems and recommends new product and service solutions
Sets standards for planning and executing complex sales or account management processes
Focuses on “consultative” advice and integrated solutions
Impacts a range of sales achievement (P&L) for a product line
Builds stakeholder alignment in providing solutions
Conveys deep product or segment context in providing advice to customers and stakeholders
Works independently within area of expertise

Skills

Commercial banking
Sales
Relationship management
Financial analysis
Credit analysis
Negotiation
Communication (verbal and written)
PC skills
Customer service
Risk management
Process improvement

Location

Forest Hills, New York, United States of America

Work Type

Full-time

Experience Level

Mid-level

Education Level

4+ year degree or equivalent experience

Salary/Compensations

$97,240 - $145,600 USD

Benefits

Health and well-being benefits
Savings and retirement programs
Paid time off (Vacation PTO, Flex PTO, Holiday PTO)
Banking benefits and discounts
Career development
Reward and recognition
Training and onboarding sessions
Mentoring programs

About the Company

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores.
Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world.
More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience.
TD is deeply committed to being a leader in client experience.
We believe that all colleagues, no matter where they work, are client facing.
Together, we are reimagining what banking can be for our clients, colleagues and communities.

Equal Opportunity

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.