Business Banker II (US)

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$91,000 - $136,240 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:

The Business Banker II services the needs of Commercial banking business, customizing a broad range of products and services to meet the financial needs of TD's customers. This role 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.

While this posting is for a Business Banker II role, highly qualified candidates whose experience, skills, and business development capabilities align with a higher-level position may also be considered for a Business Banker III opportunity.

Depth & Scope:

Requires deep/specialized expertise in a customer segment or product/service line

Originates and monitors loans of moderate size and complexity and/or supports a growing Region Accountable for sales and / or delivery of solutions across business lines and segments

Applies business and financial principles to improve delivery of the products and services provided

Possesses a deep understanding of the business, the competitive landscape, and the economic and legal/regulatory environment affecting the industry and customer segment

Provides customer relationship management of an assigned customer portfolio within an assigned territory / account base; serves as a segment or product expert

Leads the identification, pursuit and management of accounts across a product or customer segment

Solves complex problems and recommends new product and service solutions

Sets standards for planning and executing complex sales or account management processes; focuses on “consultative” advice and integrated solutions

Impacts a range of sales achievement (P&L) for a product line

Builds stakeholder alignment in providing solutions; conveys deep product or segment context in providing advice to customers and

stakeholders

Works independently within area of expertise

Education & Experience:

4+ year degree or equivalent experience

Understanding of commercial business development techniques and credit decisions

Business development and sales ability

Developing network of outside referral sources for new business

Strong credit and financial analysis skills

Negotiation skills

Excellent communication skills, both verbal and written

Good PC 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 ensure 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, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communica