412610BR

Commercial Banking

2005 Market Street

Regular

Philadelphia

Full Time

Pennsylvania

40

Job Profile SummaryThe Sr. Relationship Manager, Middle Market is an external sales role that focuses on growing a Commercial portfolio through building new customer relationships. This job meets or exceeds annual sales, revenue, volume & new customer objectives. The Sr. Relationship Manager, Middle Market maximizes profitability, revenue and retention of new relationships by cross selling the full range of products and services. This job is the primary contact for developing new client relationships while managing existing Customer relationships.

Works 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 that larger transactions and relationships referred to Commercial relationship management and/or Small Business as appropriate for role 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 or assists in sales calls, gathers financial and general business information and explains products and services offeredCoordinates financial analysis needed to make credit decisionsMay negotiate terms and conditions within parameters defined by credit decisions; finalizes loan agreements with prospects and Customers and closes salesMay utilize the Small Business Credit Center and may act as a liaison between the assigned territory's Stores and the Credit CentersContributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit ManagementMay assist in issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategyDevelops market expertise and/or target niche industries in the assigned territory; maintains established market presence and cultivates extensive network of outside referral sources of new businessWorks with Regional Vice President (RVP) to develop go to market strategies, may include partnering with Regional Market Manager (RMM) in leading prospecting campaigns and coordinating efforts with Store ManagersDevelops a clear retention plan for assigned portfolio deposits and loans within the specified territory, and may execute this plan in conjunction with the Store Managers; this may include coordinating sales calling effortsActively 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 businessPartners with Stores, RMMs, and RVPs in defined market area for consistent delivery of TD Bank WOW! Customer Experience and CWI performance targetsMay provide assigned portfolio leadership and guidance to the Store Managers in the territory as appropriateDevelops broader knowledge base of commercial and small business, other Company products and services, which may include loan policy, documentation, structuring and regulatory requirementsDevelops community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking eventsEducates and supports Store Managers and staff about products, lending process, escalation of Credit Center overrides and closing loansMeets 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 activity

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 skillsMembership in civic and professional organizations required

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J.

We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.

TD Bank AMCB

Commercial Banking

United States

Pennsylvania

Philadelphia

30-Aug-2023