Work Location:

West Palm Beach, Florida, United States of America

Hours:

40

Line of Business:

Personal & Commercial Banking

Pay Detail:

$86,840 - $130,000 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.

Job Description:

Relationship Manager, LM 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. 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:

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 communication of issues/ points of interest

Provides thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit

Keeps current on emerging trends/ developments and grow 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

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 Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

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 USWAPTDO@td.com. 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.