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 more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.tdbank.com. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US .
TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.td.com . Department Overview The Commercial Relationship Manager, LM II is an external sales role that focuses on growing a Commercial portfolio through building new customer relationships. This job will meet or exceed annual sales, revenue, volume & new customer objectives. The Commercial Relationship Manager, II will maximize 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. Job Description • Typically analyzes, originates and monitors larger loans and/or supports a growing Region or a Region with more complex relationships and transactions.
• Develops commercial business generally of moderate size and complexity as defined by the organization.
• Achieves growth goals (loans, deposits, fees), both individually and assisting the team, through development of new Commercial Customers and cross selling existing Customers as well as development of a referral network.
• Makes sales calls independently and may accompany more experienced Relationship Managers on larger account visits.
• Gathers financial and general business information and explains products and services offered. Coordinates financial analyses needed to make credit decisions.
• Communicates credit decisions to prospects and Customers as directed and negotiates specific terms and conditions for loans within parameters defined by credit decisions.
• May utilize the Small Business Credit Center as such 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.
• Develops market expertise in the assigned territory. Maintains established market presence.
• Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory, and if appropriate for
role execute this plan in conjunction with the Store Managers.
• Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
• May meet 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 other Company products and services, which may include loan policy, documentation, structuring and regulatory requirements.
• Prepares and submits all reports required by management, including call/pipeline and expense reports, in a timely manner.
• May prepare basic management reports summarizing loan activity.
• Will report directly to the RVP of their territory Job Requirements • 4 year degree or equivalent experience
• 5-7 years related experience Qualifications • 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.
• Member in civic and professional organizations required. Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach her/his potential.
If you have a disability that requires an accommodation to complete the application process, please e-mail TD Bank's HR Compliance Department at firstname.lastname@example.org. Please include your full name, contact information and details about your request within the e-mail.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
**Province/State (Primary) Florida City (Primary) Jacksonville
A little about us:
TD Bank is creating and sustaining a diverse and inclusive workplace that reflects the people, cultures and languages of the communities we serve.