Employment Type : Full-Time
TD Description TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. Job Description Job Requirements Qualifications 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. Job Family Job Category - Primary Job Category(s) Hours Business Line Time Type Employment Type Country Province/State City Work Location **Province/State (Primary) City (Primary) ProvState 2 City(s) 2
Makes calls independently and may accompany more experienced lenders on prospects, clients, internal referral sources and external referral sources to assure service requirements are met and new business opportunities are realized
Develops broader knowledge base of commercial and other Company products and services, including loan policy and documentation
Develop continual dialogue and close working relationships with other bank officers, member of the bar, certified public and municipal accountants, financial advisors, underwriters and governmental officials
Review, enhance and modify marketing materials as needed to remain current and competitive in the Small Business marketplace
Develop commercial banking relationship with prospects
Cross-sell deposit, trade, cash management, foreign exchange, private banking, asset management, and other services
Work with credit analyst in reviewing existing credits
Communicates credit decisions to prospects and Customers as directed and negotiates specific terms and conditions for loans within parameters defined by credit decisions
Ensures Customers adhere to loan covenants, maintains current Customer risk ratings and makes appropriate comments in Customer credit files to ensure information remains current
Supports the growth goals (loans, deposits, fees) of the team through development of new Commercial Customers and cross selling existing Customers as well as development of a referral network
Must be eligible for employment under regulatory standards applicable to the position.
3+ years related experience
Sales experience preferred
Knowledge of commercial banking practices, including credit analysis
Working knowledge of SBA SOP
Good interpersonal, presentation, verbal and written communication skills
Collaborative skills to build and maintain proactive involvement with all levels of staff and vendors
Attentive to client relationship development
Prospecting skills
Credit skill involvement with all levels of staff and vendors