Business Banker II (US)

TD Bank; Mount Laurel Township (NJ); On-site; USD 91,000 - 136,000; Full time

Job summary

TD Bank is seeking a Business Banker II in Mount Laurel, New Jersey. The role focuses on acquiring, developing, and managing commercial banking relationships, delivering customized financial solutions to grow the customer portfolio within the region.

Candidates should have a 4+ year degree or equivalent experience, strong credit and financial analysis skills, and a proven ability to develop new business through consultative sales.

Qualifications

• 4+ year degree or equivalent experience.
• Understanding of commercial business development techniques and credit decisions.
• Business development and sales ability.
• Excellent communication skills, both verbal and written.
• Good PC skills.

Responsibilities

• Grow loans, deposits, and fees through new business.
• Make sales calls and coordinate sales efforts with teammates.
• Contribute to loan decisions with credit analysis and risk assessment.
• Manage an assigned portfolio and deliver exceptional customer service.
• Act as a trusted advisor to provide consultative solutions and cross-sell opportunities.

Skills

Business development

Credit decisions

Sales ability

Negotiation skills

Communication skills

Financial analysis

Customer service

Education

4+ year degree or equivalent experience

Job description

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$91,000 - $136,240 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

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

Line of Business:

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.

While this posting is for a Business Banker II role, highly qualified candidates whose experience, skills, and business development capabilities align with a higher-level position may also be considered for a Business Banker III opportunity.

Depth & Scope:

• 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 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
• 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

Education & Experience:

• 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

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 recommendation to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• Negotiates specific terms and conditions and communicate 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 refe