Sr Relationship Manager, MM (US)

TD Bank; Bridgewater Township (NJ); Presencial; USD 160.000 - 240.000; Jornada completa

Descripción de la vacante

TD Bank Group in Bridgewater, New Jersey invites an experienced Senior Relationship Manager to drive new business in the Middle Market segment. You will manage client relationships, cross-sell lending, treasury management and capital market solutions, while leading and coaching junior RM colleagues.

You will develop strategic plans, recruit referrals, and coordinate with credit teams to structure deals and close loans, deposits and other business opportunities in a dynamic commercial banking

Formación

• 4 year degree or equivalent experience.
• 10+ years related 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.
• Refined negotiation skills.
• Proven communication skills, both verbal and written.
• Proven PC skills.
• Demonstrated experience in Commercial & Industrial, Divestitures, Mergers & Acquisition loans.

Responsabilidades

• Develop and execute long- and short-term strategic plans to increase market share and growth in the assigned territory.
• Independently develop new business with prospects having large, complex credit needs.
• Maintain and grow the largest portfolio segment and geography for loans, deposits, and fees, with team support.
• Facilitate larger transactions and relationships per bank parameters.
• Lead and mentor junior Relationship Managers; participate in sales calls.
• Contribute to loan decision processes with credit risk evaluation.
• Assist in issue resolution and CRA-related activities to support regional strategy.
• Develop a clear retention plan for assigned portfolio deposits and loans within the territory.
• Generate referrals to internal partners to meet entrepreneurs’ financial needs.
• Meet with internal and external referral sources to build a broad network for new business.
• Acquire knowledge of TD products and services, including loans, treasury, capital markets and investment services.

Conocimientos

Financial analysis

Commercial & Industrial experience

Business development

Negotiation skills

Communication skills

PC skills

Educación

4 year degree or equivalent experience

10+ years related experience

Herramientas

PC skills

Descripción del empleo

Work Location

Bridgewater, New Jersey, United States of America

Hours

40

Pay Details

$160,160 - $240,240 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

Personal & Commercial Banking Job Description

The Middle Market (MM) Senior Relationship Manager (RM), Commercial Banking, is an external sales role that proactively executes integrated sales, service, and relationship strategies with responsibility for obtaining new and growing existing commercial relationships within the Middle Market target space. This role is the principal point of client acquisition and retention of existing and ongoing relationships. Relationship Managers work both independently and as part of the Middle Market Team to secure new and maximize existing profitable commercial relationships by cross selling the full range of TD's products and services, such as lending, treasury management, capital markets, investment services and other financial solutions.

Depth & Scope

• Leads the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth throughout the marketplace
• Works independently to develop new business with prospects that have the largest and most complex credit needs in assigned portfolio segment
• Maintains or establishes largest portfolio segment and geography for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new business Customers and cross selling existing Customers as well as an established network of resources
• Facilitates larger transactions and relationships referred to Commercial relationship management according to prescribed Bank parameters
• Makes calls independently and invites less experienced Relationship Managers to join as a development opportunity
• Contributes to the coaching, training, development and team leadership of less experienced Relationship Managers
• Makes and assists in sales calls, gathers financial and general business information and explains products and services offered
• Negotiates terms and conditions within parameters defined by credit decisions; finalizes loan agreements with prospects and Customers and closes sales
• Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• Assists in issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategy
• Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business
• Develops broader knowledge base of commercial and small business, other Company products and services, which may include loan policy, documentation, structuring and regulatory requirements
• Maintains frequent interaction with centers of influence, diverse industry segments, community leaders, and senior business contacts
• Develops community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking events
• Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business
• Prepares and submits all reports may prepare management reports summarizing individual and team loan activity

Education & Experience

• 4 year degree or equivalent experience
• 10+ years related 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
• Refined negotiation skills
• Proven communication skills, both verbal and written
• Proven PC skills
• Demonstrated experience in Commercial & Industrial, Divestitures, Mergers & Acquisition loans
• Demonstrated