Sr. Relationship Manager (US)

TD Bank, N.A.; Boston (MA); On-site; USD 149,000 - 240,000; Full time

Job summary

TD Bank, N.A. is seeking a Senior Relationship Manager for its High-Performing Commercial Banking Team in Boston.

You will expand the commercial banking portfolio, acting as trusted advisor to diverse clients and leveraging credit, business development, and market insights to structure complex solutions. You will collaborate across internal teams, influence credit decisions, and lead strategic client engagements while driving growth in our commercial banking presence.

Qualifications

• Undergraduate degree and 10+ years relevant experience in commercial banking.
• Strong credit analysis and financial assessment skills.
• Proven business development track record with external referrals network.
• Excellent negotiation and relationship management abilities.

Responsibilities

• Grow loans, deposits and fees through new business development.
• Lead large accounts and strategic client engagements.
• Coordinate with internal teams to structure credit solutions.
• Develop retention plans and deliver exceptional client service.

Skills

Relationship management

Credit analysis

Business development

Negotiation

Networking

Education

Undergraduate degree

Job description

Position Details

Work Location: Boston, Massachusetts, United States of America Hours: 40 Pay Details: $148,720 - $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

Ready to make an Impact? Join our High- Performing Commercial Banking Team! We are seeking a proven C&I Senior Relationship Manager to play a key role in growing and deepening our commercial banking portfolio. This is an opportunity to partner closely with business clients, delivering tailored financial solutions that drive their success while contributing meaningfully to the bank’s growth. In this role, you will operate as a trusted advisor to a diverse client base, leveraging your expertise in credit, business development, and market insights to identify opportunities, structure complex solutions, and build long-term relationships with up-market clients. You’ll collaborate across internal teams, influence key credit decisions, and lead strategic client engagements while shaping the future of our commercial banking presence in the communities we serve. Additional base salary and incentive will be considered for highly qualified candidates who meet the following preferred qualifications.

Preferred Qualifications

• Experience serving commercial businesses with annual revenues up to $250MM
• Established COI network within the Commercial Business GAR segment

Depth & Scope

Recognized as top level expert within the company in a customer segment or product/service line with responsibility for identifying and interpreting trends in the market to structure portfolios and get results. Develops new business with prospects that have the largest and most complex credit needs in assigned portfolio segment. Defines new approaches to sell and deliver solutions. Anticipates emerging customer trends as a basis for recommending products and services and expanding the business. Highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business line or segment. Oversees the management and activities of large accounts and related servicing teams. Manages the most strategic relationships that are characterized by significantly complex products and services provided and/or takes a significant business development focus. Solves unique problems with broad impact on the business segment and financials. Develops and implements new and innovative approaches to the sales process, including negotiation of terms and approaches to account management – provides expert advice internally and externally. Impacts a range of sales achievement for largest accounts and relationships and a significant part of one or more business lines. Communicates complex ideas, anticipates potential objections and persuades customers; negotiates significant terms. Provides leadership guidance, makes recommendations and collaborates with business to ensure solutions meets the business needs on a complex project or program. Identifies and leads problem resolution for project/program complex requirements related issues at all levels.

Education & Experience

Undergraduate degree 10+ 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 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.

Shareholder Accountabilities

Develops / implements sales strategies to proactively attract, acquire and retain customers / sales opportunities and referrals, to increase profitability and enable business growth. Plans and executes business development activities, review and communicate results, and adjust tactics accordingly. Promotes and offers full suite of products, sales, services and banking capabilities. Assesses credit requests to determine risk and make appropriate recommendations for structuring credit deals. Contributes to credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation. Contributes to business objectives for Operational Excellence. Supports the timely and accurate completion of business processes and procedures. Protects the interests of the organization – identify and manage risks, and escape non-standard, high risk transactions / activities as necessary. Ensures documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations. Identifies, suggests and actively participates in process improvement opportunities. Actively manages relationships within and across various business lines/ corporate and/or control functions and ensures alignment with enterprise and/or regulatory requirements. Participates in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance for complex situations. Ensures necessary due diligence to support the accuracy of all customer transactions / activities. Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts. Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite. Assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct.

Employee/Team Accountabilities

Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest. Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit. Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques. Participates in personal performance management and development activities, including cross training within own team. Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities. Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices. Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships. Contributes to a fair, positive and equitable environment that supports a diverse workforce. Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally.

Physical Requirements

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carry (under 25 lbs.) – Occasional Lifting/Carry (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding,