Sr. Relationship Manager (Greater Miami)

Sr. Relationship Manager

The Sr. Relationship Manager serves the needs of the community commercial banking business, customizing a broad range of products and services to meet the financial needs of TD's customers. The job 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.

Depth & Scope:

• Recognized as top level expert within the company in a customer segment or product/service line with responsibility for identifying and interpreting trends in the market to structure portfolios and get results
• Develops new business with prospects that have the largest and most complex credit needs in assigned portfolio segment
• Defines new approaches to sell and deliver solutions
• Anticipates emerging customer trends as a basis for recommending products and services and expanding the business
• Highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business line or segment
• Oversees the management and activities of large accounts and related servicing teams
• Manages the most strategic relationships that are characterized by significantly complex products and services provided and/or takes a significant business development focus
• Solves unique problems with broad impact on the business segment and financials
• Develops and implements new and innovative approaches to the sales process, including negotiation of terms and approaches to account management provides expert advice internally and externally
• Impacts a range of sales achievement for largest accounts and relationships and a significant part of one or more business lines
• Communicates complex ideas, anticipates potential objections and persuades customers; negotiates significant terms
• Provides leadership guidance, makes recommendations and collaborates with business to ensure solutions meets the business needs on a complex project or program
• Identifies and leads problem resolution for project/program complex requirements related issues at all levels

Education & Experience:

• Undergraduate degree
• 10+ years relevant 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
• Effective negotiation 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 ensures 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, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/ points of interest
• Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/ developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
• Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships.
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally

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