Senior Commercial Banking Relationship Manager

TD; Philadelphia (Philadelphia County); On-site; USD 115,000 - 173,000; Full time

Job summary

TD in Philadelphia, PA is seeking a Relationship Manager III to service large and complex business portfolios, tailoring a broad range of products and services for commercial banking clients. You will acquire, develop and manage relationships, focusing on growth through financial solutions and new business from existing and new customers.

The role requires an undergraduate degree, 7+ years of experience, strong credit and financial analysis, and negotiation skills.

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

• Growth goals (loans, deposits, fees) through development of new business customers and cross selling existing customers and an established network of resources
• Make 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
• Act 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

Skills

Credit analysis

Negotiation

Business development

Relationship management

Financial analysis

Education

Undergraduate degree

Job description

TD in Philadelphia, PA is seeking a Relationship Manager III to service large and complex business portfolios, tailoring a broad range of products and services for commercial banking clients. You will acquire, develop and manage relationships, focusing on growth through financial solutions and new business from existing and new customers.

The role requires an undergraduate degree, 7+ years of experience, strong credit and financial analysis, and negotiation skills.