Relationship Manager, LM II (US)

Relationship Manager, LM II (US) Work Location :

Asheville, North Carolina

Hours : Pay Details :

Pay Details :

$86,840 - $130,000 USD

TD ismitted to providing fair and equitablepensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in makingpensation decisions.

The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs.

As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.

As a candidate, you are encouraged to askpensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business :

Personal &mercial Banking

Job Description :

Relationship Manager, LM II services the needs ofmercial banking business, customizing a broad range of products and services to meet the financial needs of TD's customers.

The job acquires, develops and managesmercial banking relationships by providing customized solutions across differentmercial 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 andpetitive solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to the customer's portfolio.

Depth & Scope :

• Requires deep / specialized expertise in a customer segment or product / service line
• Originates and monitors loans of moderate size andplexity 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, thepetitive landscape, and the economic and legal / regulatory environment affecting the industry and customer segment
• 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
• Solvesplex problems and rmends new product and service solutions
• Sets standards for planning and executingplex 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

Education & Experience :

• Undergraduate degree
• 5+ years relevant experience
• Understanding ofmercial 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
• Excellentmunication skills, both verbal and written
• Good PC skills

Customer Accountabilities :

• 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 rmendation to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• Negotiates specific terms and conditions andmunicate 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 theprehensive 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
• Developsmunity relationships and membership in civic and professional organizations, including active participation in networking events

Shareholder Accountabilities :

• 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 andmunicate 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 rmendations 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 accuratepletion 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 / pleted 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 ensure alignment with enterprise and / or regulatory requirements
• Participates in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance forplex 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 byplying with Bank and industry Code of Conduct

Employee / Team Accountabilities :

• Participates fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timelymunication of issues / points of interest
• Provides thought leadership and / or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit
• Keeps current on emerging trends / developments and grow 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

Who We Are :

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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support.

We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers,munities and colleagues.

TD is deeplymitted to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing.

As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking.

Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential.

Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals.

As an organization, we keep growing - and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals.

Total Rewards at TD includes base salary and variablepensation / incentive awards (, 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. Learn more

Additional Information :

We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and apetitive benefits plan, we'remitted to providing the support our colleagues need to thrive both at work and at home.

Colleague Development