Sr Relationship Manager, MM (US)

TD Bank Group; Village of Pelham (NY); Vor Ort; USD 160.000 - 240.000; Vollzeit

Zusammenfassung

The Middle Market Senior Relationship Manager role at TD Bank Group in New York is focused on proactive external sales, relationship building, and cross-selling TD's suite of financial solutions.

You will lead initiatives to growth of commercial relationships, manage complex credit needs, and collaborate with product partners to deliver lending, treasury, and capital markets services across a diversified portfolio.

Qualifikationen

• 4 year degree or equivalent experience.
• 10+ years related experience.
• Strong credit and financial analysis skills.
• Proven business development and client acquisition track record.

Aufgaben

• Develop new business with large, complex credit needs.
• Forge and maintain relationships with mid‑market clients.
• Cross-sell TD's lending, treasury, and capital markets solutions.
• Coach and guide junior relationship managers.

Kenntnisse

Relationship management

Business development

Credit analysis

Negotiation

Communication skills

Networking

Ausbildung

Bachelor's degree or equivalent

Tools

PC skills

Jobbeschreibung

Work Location:New York, New York, United States of AmericaHours:40Pay Details:$160,160 - $240,240 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 BankingJob 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 marketplaceWorks independently to develop new business with prospects that have the largest and most complex credit needs in assigned portfolio segmentMaintains 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 resourcesFacilitates larger transactions and relationships referred to Commercial relationship management according to prescribed Bank parametersMakes calls independently and invites less experienced Relationship Managers to join as a development opportunityContributes to the coaching, training, development and team leadership of less experienced Relationship ManagersMakes and assists in sales calls, gathers financial and general business information and explains products and services offeredNegotiates terms and conditions within parameters defined by credit decisions; finalizes loan agreements with prospects and Customers and closes salesContributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit ManagementAssists in issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategyDevelops a clear retention plan for assigned portfolio deposits and loans within the specified territoryActively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entityMeets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new businessDevelops broader knowledge base of commercial and small business, other Company products and services, which may include loan policy, documentation, structuring and regulatory requirementsMaintains frequent interaction with centers of influence, diverse industry segments, community leaders, and senior business contactsDevelops community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking eventsMeets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new businessPrepares and submits all reports may prepare management reports summarizing individual and team loan activityEducation & Experience:4 year degree or equivalent experience10+ years related experienceIn-depth understanding of commercial industry, business development techniques and credit decisionsProven business development track record, with proven ability to conceptualize and implement effective new business strategiesExtensive network of outside referral sources for new businessExcellent credit and financial analysis skillsRefined negotiation skillsProven communication skills, both verbal and writtenProven PC skillsDemonstrated experience in Commercial & Industrial, Divestitures, Mergers & Acquisition loansDemonstrated experience in syndicated loansCustomer Accountabilities:Understands and supports the Bank's Customer Service StrategyConsiders the impact of decisions on the well-being of TD, its customers and stakeholdersDelivers legendary customer experiences – Provide the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunityLeads and models quality service delivery at every interactionLeads and contributes to the ongoing improvement of the partner/Customer experienceShareholder Accountabilities:Participates in civic activities to promote growth and development of the community and support a high, positive image for TDDevelops and maintains network of referral sources and centers of influenceMaintains strong business relationships with referral sources and ensure they have current information on products and servicesCoordinates with internal business partners to maximize cross-selling and referral opportunitiesSupports business objectives to achieve excellence in the quality delivery of sales, service, and products aligned with “Best Run” conceptsParticipates in establishing and executing plans and goals for the Business to drive toward results.Successfully completes all required job specific, compliance-related trainingUnderstands, utilizes and follows compliance/risk and control programs; understands and applies the principles outlined in TD’s Risk Appetite statementMaintains knowledge of business strategies, programs and practicesEnsures ongoing compliance with internal / external audit and regulatory requirementsProvides prompt and comprehensive response to all external audit, regulator and compliance requests and findingsMaintains appropriate records of action plansAchieves assigned sales goals; Contribute to overall strategic direction, process improvement and other initiativesDevelops and maintains knowledge about TD’s products and services; maintain knowledge of new products and solutions, competition, markets and other trendsEmployee/Team Accountabilities:Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD’s diversity agenda, and creates an extraordinary employee experienceParticipates fully as a member of the team and contribute to a positive work environmentEnsures ongoing communication with the team on issues / points of interestActively shares information and knowledge and proactively learn from the expertise of othersPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, 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.Who We Are:TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.Our Total Rewards PackageOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn moreAdditional Information:We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.Colleague DevelopmentIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.AccommodationTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [e-mail] . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.