Sr Relationship Manager

Job Summary

Required Qualifications

• •Undergraduate degree
• •10+ years relevant 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
• •Effective negotiation skills
• •Must be able to lift 25 lbs or less occasionally

Desired Qualifications

• •Depth & Scope: Recognized as top level expert within the company in a customer segment or product/service line
• •Responsibility for identifying and interpreting trends in the market to structure portfolios and get results
• •Develops new business with prospects that have the largest and most complex credit needs in assigned portfolio segment
• •Defines new approaches to sell and deliver solutions
• •Anticipates emerging customer trends as a basis for recommending products and services and expanding the business
• •Highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business line or segment
• •Oversees the management and activities of large accounts and related servicing teams
• •Manages the most strategic relationships that are characterized by significantly complex products and services provided and/or takes a significant business development focus
• •Solves unique problems with broad impact on the business segment and financials
• •Develops and implements new and innovative approaches to the sales process, including negotiation of terms and approaches to account management
• •Impacts a range of sales achievement for largest accounts and relationships and a significant part of one or more business lines
• •Communicates complex ideas, anticipates potential objections and persuades customers
• •Provides leadership guidance, makes recommendations and collaborates with business to ensure solutions meets the business needs on a complex project or program
• •Identifies and leads problem resolution for project/program complex requirements related issues at all levels
• •Delivers exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
• •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 the comprehensive 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
• •Develops community relationships and membership in civic and professional organizations, including active participation in networking events
• •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 as necessary
• •Ensures documentation that is prepared / completed 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 ensures alignment with enterprise and/or regulatory requirements
• •Participates in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance for complex 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 by complying with Bank and industry Code of Conduct
• •Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest
• •Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• •Keeps current on emerging trends/ developments and grows 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
• •Must be available for occasional domestic travel
• •Must be available for occasional international travel
• •Must be able to perform sedentary work continuously
• •Must be able to perform multiple tasks continuously
• •Must be able to operate standard office equipment continuously
• •Must be able to respond quickly to sounds occasionally
• •Must be able to sit continuously
• •Must be able to stand occasionally
• •Must be able to walk occasionally
• •Must be able to move safely in confined spaces occasionally
• •Must be able to squat occasionally
• •Must be able to bend occasionally
• •Must be able to reach forward occasionally
• •Must be able to concentrate for long periods of time continuously
• •Must be able to read, write and comprehend instructions continuously
• •Must be able to add, subtract, multiply and divide continuously