Sr Relationship Manager

Sr Relationship Manager Albany Work Location: Latham, New York... Hours: 40 Pay Details: $ - $ USD Line of Business: Personal & Commercial Banking Job Description: 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 Account abilities: • 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…