Senior Relationship Manager, Middle Market, NYC - New York, United States - TD Bank

Description

Work Location:
New York, New York


Hours:
40


Pay Details:
167, ,800 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, 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.


Depth & Scope:
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 that larger transactions and relationships referred to Commercial relationship management and/or Small Business as appropriate for role 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 or assists in sales calls, gathers financial and general business information and explains products and services offered

Coordinates financial analysis needed to make credit decisions

May negotiate terms and conditions within parameters defined by credit decisions; finalizes loan agreements with prospects and Customers and closes sales

May utilize the Small Business Credit Center and may act as a liaison between the assigned territory's Stores and the Credit Centers

Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management

May assist in issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategy

Develops 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 business

Works 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 Managers

Develops 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 efforts

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

Partners with Stores, RMMs, and RVPs in defined market area for consistent delivery of TD Bank WOW Customer Experience and CWI performance targets

May provide assigned portfolio leadership and guidance to the Store Managers in the territory as appropriate

Develops broader knowledge base of commercial and small business, other Company products and services, which may include loan policy, documentation, structuring and regulatory requirements

Develops community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking events

Educates and supports Store Managers and staff about products, lending process, escalation of Credit Center overrides and closing loans

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

#LI-Hybrid


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

Membership in civic and professional organizations required


Customer Accountabilities:
Understands and supports the Bank's Customer Service Strategy

Considers the impact of decisions on the well-being of TD, its customers and stakeholders

Delivers legendary customer experiences – Provide the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity

Leads and models quality service delivery at every interaction

Leads and contributes to the ongoing improvement of the partner/Customer experience


Shareholder Accountabilities:
Participates in civic activities to promote growth and development of the community and support a high, positive image for TD

Develops and maintains network of referral sources and centers of influence

Maintains strong business relationships with referral sources and ensure they have current information on products and services

Coordinates with internal business partners to maximize cross-selling and referral opportunities

Supports business objectives to achieve excellence in the quality delivery of sales, service, and products aligned with "Best Run" concepts

Participates in establishing and executing plans and goals for the Business to drive toward results.

Successfully completes all required job specific, compliance-related training

Understands, utilizes and follows compliance/risk and control programs; understands and applies the principles outlined in TD's Risk Appetite statement

Maintains knowledge of business strategies, programs and practices

Ensures ongoing compliance with internal / external audit and regulatory requirements

Provides prompt and comprehensive response to all external audit, regulator and compliance requests and findings

Maintains appropriate records of action plans

Achieves assigned sales goals; Contribute to overall strategic direction, process improvement and other initiatives

Develops and maintains knowledge about TD's products and services; maintain knowledge of new products and solutions, competition, markets and other trends


Employee/Team Accountabilities:
Be engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience

Participates fully as a member of the team and contribute to a positive work environment

Ensures ongoing communication with the team on issues / points of interest

Actively shares information and knowledge and proactively learn from the expertise of others


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/Carrying (under 25 lbs.) – Occasional

Lifting/Carrying (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, subtracting, multiplying and dividing – Continuous

The 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 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 .

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.

Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.