Business Banker II (US)

TD Bank Group; Mount Laurel Township (NJ); Sur place; USD 91 000 - 136 000; Plein temps

Résumé du poste

TD Bank Group in Mount Laurel, New Jersey seeks a Business Banker II to service commercial banking needs, tailoring a broad range of products to clients. The role focuses on developing and managing relationships, delivering financial solutions, and growing the commercial portfolio in a consultative, advisory capacity.

The position requires strong credit/financial analysis, business development skills, and excellent communication.

Qualifications

• 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.

Responsabilités

• Develop and manage commercial banking relationships with a focus on mid-market clients.
• Provide customized financial solutions across products to meet client needs.
• Grow portfolio by acquiring new business and expanding existing relationships.
• Analyze client credit and financials to support lending decisions.
• Collaborate with partners to deliver integrated cash management and financing options.

Connaissances

Commercial development

Credit decisions

Sales ability

Referral sources

Credit analysis

Negotiation

Communication

PC skills

Formation

4+ year degree or equivalent experience

Description du poste

## Business Banker II (US)Apply: Onsite: Mount Laurel, New Jersey: Full time: Posted Today: End Date: October 30, 2026 (9 days left to apply): R\\_1508054**Work Location:**Mount Laurel, New Jersey, United States of America**Hours:**40**Pay Details:**$91,000 - $136,240 USDTD 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:**Personal & Commercial Banking**Job Description:**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.The role is a trusted advisor who, with sensitivity to the customer's operating environment, structures and packages practical and competitive solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to the customer's portfolio.* 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 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**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 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* Contributes to business objectives for Operational Excellence* 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 ensure 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**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 timely communication 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**Physical Requirements:****Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%*** Domestic Travel – Occasional* International Travel – Never* 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* Lifting/Carrying (over 25 lbs.) – Never* Squatting – Occasional* Bending – Occasional* Kneeling – Never* Crawling – Never* Climbing – Never* Reaching overhead – Never* Reaching forward – Occasional* Pushing – Never* Pulling – Never* Twisting – Never* 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 – ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.