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About the Role

The Middle Market (MM) Senior Relationship Manager (RM), Commercial Banking, is an external sales role that proactively executes integrated sales, service, and relationship strategies to acquire and grow commercial relationships within the Middle Market target space. This role is the principal point of client acquisition and retention of existing and ongoing relationships.

Responsibilities

Leads the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth.
Works independently to develop new business with prospects that have the largest and most complex credit needs.
Maintains or establishes largest portfolio segment and geography for growth goals (loans, deposits, fees), both individually and assisting the team.
Facilitates larger transactions and relationships referred to Commercial relationship management.
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 and assists in sales calls, gathers financial and general business information and explains products and services offered.
Negotiates terms and conditions within parameters defined by credit decisions; finalizes loan agreements and closes sales.
Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors.
Assists in issue resolution and activities related to credit support and product partners.
Develops a clear retention plan for assigned portfolio deposits and loans.
Actively generates referrals to all business partners to help meet the comprehensive financial needs of entrepreneurs or borrowing entities.
Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business.
Develops broader knowledge base of commercial and small business, other Company products and services.
Maintains frequent interaction with centers of influence, diverse industry segments, community leaders, and senior business contacts.
Develops community relationships, through CRA initiatives and membership in civic and professional organizations.
Prepares and submits all reports; may prepare management reports summarizing individual and team loan activity.
Understands and supports the Bank's Customer Service Strategy.
Considers the impact of decisions on the well-being of TD, its customers and stakeholders.
Delivers legendary customer experiences – Provide the highest level of Customer service when dealing with internal partners, vendors or our Customers.
Leads and models quality service delivery at every interaction.
Leads and contributes to the ongoing improvement of the partner/Customer experience.
Participates in civic activities to promote growth and development of the community and support a high, positive image for TD.
Develops and maintains network of referral sources and centers of influence.
Maintains strong business relationships with referral sources and ensure they have current information on products and services.
Coordinates with internal business partners to maximize cross-selling and referral opportunities.
Supports business objectives to achieve excellence in the quality delivery of sales, service, and products.
Participates in establishing and executing plans and goals for the Business to drive toward results.
Successfully completes all required job specific, compliance-related training.
Understands, utilizes and follows compliance/risk and control programs.
Maintains knowledge of business strategies, programs and practices.
Ensures ongoing compliance with internal / external audit and regulatory requirements.
Provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings.
Maintains appropriate records of action plans.
Achieves assigned sales goals; Contribute to overall strategic direction, process improvement and other initiatives.
Develops and maintains knowledge about TD’s products and services.
Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD’s diversity agenda, and creates an extraordinary employee experience.
Participates fully as a member of the team and contribute to a positive work environment.
Ensures ongoing communication with the team on issues / points of interest.
Actively shares information and knowledge and proactively learn from the expertise of others.

Requirements

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
Demonstrated experience in Commercial & Industrial, Divestitures, Mergers & Acquisition loans
Demonstrated experience in syndicated loans
Performing sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds – Occasional
Sitting – Continuous
Standing – Occasional
Walking – Occasional
Moving safely in confined spaces – Occasional
Lifting/Carrying (under 25 lbs.) – Occasional
Squatting – Occasional
Bending – Occasional
Reaching forward – Occasional
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous

Skills

Sales
Service
Relationship Management
Client Acquisition
Client Retention
Cross-selling
Lending
Treasury Management
Capital Markets
Investment Services
Financial Solutions
Strategic Planning
Market Penetration
Business Development
Credit Analysis
Financial Analysis
Negotiation
Communication (Verbal and Written)
PC Skills
Commercial & Industrial Loans
Divestitures
Mergers & Acquisition Loans
Syndicated Loans
Customer Service
Team Leadership
Coaching
Training
Problem Resolution
Risk Management
Compliance
Audit
Regulatory Requirements

Location

Mount Laurel, New Jersey, United States of America

Work Type

Full-time

Experience Level

10+ years related experience
Senior

Education Level

4 year degree or equivalent experience

Salary/Compensations

$148,720 - $240,240 USD

Benefits

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
Reward and recognition
Training programs
Online learning platform
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, that is why 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.