Sr Relationship Manager, MM (US)

Work Location:

Charlotte, North Carolina, United States of America

Hours:

40

Pay Details:

220,000.00 - 250,000.00 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:

Subject matter relationship executive with deep credit skills and prior experience working with companies $100mm - $2B in review in the Waste Management Industry. TD is seeking to create a dedicated Industry Team with initial focus on Waste Industry Companies and residential and commercial waste collection and likely owning landfills as well that are privately held own private equity owned. Location is flexible

Depth & Scope:

• •Leads the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth throughout the marketplace
• •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 larger transactions and relationships referred to Commercial relationship management 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 and assists in sales calls, gathers financial and general business information and explains products and services offered
• •Negotiates terms and conditions within parameters defined by credit decisions; finalizes loan agreements with prospects and Customers and closes sales
• •Contributes and provides input to loan decision process based on evaluation of credit risk and other key factors from Credit Management
• •Assists in issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategy
• •Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory
• •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
• •Develops broader knowledge base of commercial and small business, other Company products and services, which may include loan policy, documentation, structuring and regulatory requirements
• •Maintains frequent interaction with centers of influence, diverse industry segments, community leaders, and senior business contacts
• •Develops community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking events
• •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

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
• •Demonstrated experience in Commercial & Industrial, Divestitures, Mergers & Acquisition loans
• •Demonstrated experience in syndicated loans

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
• •