Sr Relationship Manager, MM (US)

Description

The Middle Market (MM) Senior Relationship Manager (RM), Commercial Banking, is an external sales role that is responsible for obtaining new and growing existing commercial relationships within the Middle Market target space.

This position is the principal point of client acquisition and retention of existing and ongoing relationships. RMs work both independently and as part of the MM Team to secure new and maximize existing profitable commercial relationships by cross selling the full range of TD's products and services, such as lending, treasury management, capital markets, investment services and other financial solutions.

The ideal candidate will have deep working knowledge of corporate lending solutions along with acceptable underwriting and credit risk knowledge.

In addition, this candidate should have vast experience in Commercial & industrial (C&I). Our most successful RMs have a disciplined approach to prospecting for new business within the applicable geographic market and deep local connections along with strong market knowledge.

The Middle Market segment is comprised of companies with revenues of $100M - $1B. The primary target territory for this position is Central and Southern New Jersey.

Preferred Qualifications :

• Previous experience in Middle Market segment
• Previous experience in the following types of deals : Private equity, M&A, Divestitures, Owner occupied CRE
• Experience with syndicated loans
• Prior work experience for Bulge Bracket banks
• Previous Credit Training

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.

Depth & Scope :

• 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

Education & Experience :

• 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

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, communities and colleagues.

TD is deeply committed 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 variable compensation / incentive awards (e.g., 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.

Additional Information :

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

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD and we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at .

Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.