Senior Commercial Relationship Manager

TD Bank Group (TD); Boston (MA); Presencial; USD 124.000 - 186.000; Jornada completa

Descripción de la vacante

TD Bank US in Boston, MA seeks a Relationship Manager III to service large and complex business portfolios with tailored financial solutions. You will originate and monitor loans, manage relationships across segments, and drive growth for the portfolio and the bank.

The role emphasizes advisory expertise, credit analysis, and collaboration with internal partners to create value for customers and the bank. 7+ years of experience and an undergraduate degree are expected.

Formación

• 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

Responsabilidades

• 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
• Acst 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

Educación

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

Descripción del empleo

TD Bank US in Boston, MA seeks a Relationship Manager III to service large and complex business portfolios with tailored financial solutions. You will originate and monitor loans, manage relationships across segments, and drive growth for the portfolio and the bank.

The role emphasizes advisory expertise, credit analysis, and collaboration with internal partners to create value for customers and the bank. 7+ years of experience and an undergraduate degree are expected.