TD Bank

The Sr. Relationship Manager serves the needs of the community commercial banking business, customizing a broad range of products and services to meet the financial needs of TD's customers.. Contributes and/or provides recommendation to loan decision process based on evaluation of credit risk and other key factors from Credit Management. Leads all aspects of relationship management for an assigned portfolio /segment and/or geography. Develops community relationships and membership in civic and professional organizations, including active participation in networking events. 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.

sr relationship manager

Work Location:
United States of America
Hours:
40
Pay Details:
$141,960 - $230,880 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.
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 Sr. Relationship Manager serves the needs of the community commercial banking business, customizing a broad range of products and services to meet the financial needs of TD's customers. The job acquires, develops and manages commercial banking relationships by providing customized solutions across different commercial segments to build a strategy that is right for the customer now, and in the future with a focus on growing the portfolio by providing financial solutions and developing new business from both existing and new customers.

The role is a trusted advisor who, with sensitivity to the customer's operating environment, structures and packages practical and competitive solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to the customer's portfolio.
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 escalate 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
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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.
Our Total Rewards Package


Our 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 more
Additional 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 Development
If 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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’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.
Accommodation
If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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