Job description
TD Description
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J.
We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.
Department Overview
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.
Job Description
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
Job Requirements
Qualifications
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
Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.
If you are a candidate with a disability and need an accommodation 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.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
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