Relationship Manager III

TD Bank Group; Columbia (SC); On-site; USD 115,000 - 173,000; Full time

Job summary

TD Bank Group in Columbia, SC is seeking a highly experienced Relationship Manager III to serve large and complex business portfolios. You will tailor a broad range of financial products and services, aiming to grow the portfolio by developing new business with both existing and prospective customers.

The role requires deep credit analysis, strong negotiation skills, and the ability to act as a trusted advisor, delivering customized solutions across segments.

Qualifications

• Undergraduate degree
• 7+ 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

Responsibilities

• 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 th

Education

Undergraduate degree

Job description

Work Location:

Columbia, South Carolina, United States of America

Hours:

40

Pay Details:

$115,440 - $173,160 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:

Personal & Commercial Banking Job Description:

The Relationship Manager III services the needs of large/complex business portfolios, customizing a broad range of products and services to meet the financial needs of TD's customers. The job 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.

Depth & Scope:

Highly seasoned professional role requiring substantial expertise in a customer segment or product / service line

Originates and monitors larger loans with moderate to complex credit needs and/or supports a growing Region or a Region with more complex relationships and transactions

Accountable for sales and / or delivery of solutions across business lines and segments

Recommends best practices to improve products or services; integrates a deep understanding of target customer market and dynamics

Anticipates, identifies and interprets market trends, and applies this knowledge to serve the needs of the customers

Manages existing strategic accounts/opportunities that represent the business segments largest/most important accounts and/or takes a significant business development focuses

Solves or may lead others to solve complex problems; leads efforts to develop new product and service solutions or structure complex deals

Executes and may direct others in complex account management processes - structures sophisticated solutions and advice

Impacts a range of sales achievement for strategic accounts

Guides and influences customers and stakeholders; converts information to compelling business context and advice at increasingly senior levels

Works autonomously as the 'lead' and guides members within area of expertise

Identifies and leads problem resolution for complex requirements related issues at all levels

Education & Experience:

• Undergraduate degree
• 7+ 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

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 th