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Sr. Relationship Manager - Jacksonville, FL

Job Description
 Works independently to develop new business with prospects that have the largest and most complex credit needs in assigned portfolio segment.
 Responsible for maintaining or establishing largest portfolio segment and geography for growth goals (loans, deposits, fees), both individually and assisting the team, through development of new business Customers and cross selling existing Customers as well as an established network of resources.
 Facilitates that larger transactions and relationships referred to Commercial relationship management and/or Small Business as appropriate for role according to prescribed Bank parameters.
 Makes calls independently and invites less experienced Relationship Managers to join as a development opportunity.
 Contributes to the coaching, training, development and team leadership of less experienced Relationship Managers.
 Makes or assists in sales calls, gathers financial and general business information and explains products and services offered.
Coordinates financial analysis needed to make credit decisions. May negotiates terms and conditions within parameters defined by credit decisions; finalizes loan agreements with prospects and Customers and closes sales.
 May utilize the Small Business Credit Center and may 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.
 May assist in issue resolution (including delinquencies and problem credits) and activities related to credit support and product partners to support the regional strategy.
 Develops market expertise and/or target niche industries in the assigned territory. Maintains established market presence and cultivates extensive network of outside referral sources of new business.
 Works with Regional Vice President (RVP) to develop go to market strategies, may include partnering with Regional Market Manager (RMM) in leading prospecting campaigns and coordinating efforts with Store Managers.
 Develops a clear retention plan for assigned portfolio deposits and loans within the specified territory, and may execute this plan in conjunction with the Store Managers. This may include coordinating sales calling efforts.
 Actively generates referrals to all business partners in the bank to help meet the comprehensive financial needs of entrepreneurs or borrowing entity.
 Meets 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 small business , other Company products and services, which may include loan policy, documentation, structuring and regulatory requirements.
 Develop community relationships, through CRA initiatives and membership in civic and professional organizations, including active participation in networking events.
 Educate and support Store Managers and staff about products, lending process, escalation of Credit Center overrides and closing loans.
 Meets regularly with internal referral sources to establish business relationships and develops network of outside referral sources for new business.
 Prepares and submits all reports may prepare management reports summarizing individual and team loan activity.
 Will report directly to the RVP of their territory.
Job Requirements
 4 year degree or equivalent experience
 10+ years related 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
 Refined negotiation skills.
 Proven communication skills, both verbal and written.
 Proven PC skills.
 Membership in civic and professional organizations required.