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Relationship Manager, LM II - Volusia Cty/ Deland, FL

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
• 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.