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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in commercial banking, business development, and credit analysis, with a strong ability to structure complex financial solutions and manage strategic relationships. Proven track record in achieving growth goals and delivering exceptional customer service while ensuring regulatory compliance.
Highest-signal resume keywords
Commercial Banking ExpertiseBusiness Development TechniquesCredit Analysis SkillsNegotiation SkillsRelationship Management
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Risk AssessmentFinancial AnalysisLoan OriginationBusiness DevelopmentCredit StructuringDue DiligenceSales Strategy ImplementationPortfolio ManagementOperational ExcellenceRegulatory Compliance
Soft Skills
Customer ServiceProblem ResolutionMentoringCommunicationNetworking
Industry Keywords
Commercial IndustryFinancial SolutionsCredit DecisionsBusiness PortfoliosCivic EngagementRisk ManagementEmerging IssuesCross-SellingStrategic AccountsSales Calls
About the role
Key responsibilities & impact- Service the needs of large and complex business portfolios
- Customize products and services to meet customers’ financial needs
- Acquire, develop, and manage commercial banking relationships
- Provide customized solutions across commercial segments
- Grow the portfolio through existing-customer cross-selling and new business development
- Act as a trusted advisor and structure practical, competitive financing and cash-management solutions
- Originate and monitor larger loans with moderate to complex credit needs
- Manage strategic accounts and significant business-development opportunities
- Lead complex problem resolution and develop new product and service solutions
- Execute complex account-management processes and structure sophisticated solutions
- Establish and achieve growth goals for loans, deposits, and fees
- Make sales calls and coordinate sales-calling efforts
- Gather financial and business information and coordinate financial analyses for credit decisions
- Recommend loan decisions based on credit risk and other key factors
- Negotiate terms and conditions and communicate credit decisions
- Lead relationship management for an assigned portfolio, segment, or geography
- Deliver exceptional customer service and improve customer experience
- Generate referrals to business partners across the bank
- Develop retention plans for assigned deposits and loans
- Build community relationships and participate in civic, professional, and networking activities
- Develop and implement sales strategies to attract, acquire, and retain customers
- Plan, execute, review, and adjust business-development activities
- Promote the full suite of banking products and services
- Contribute to credit applications and high-quality risk assessments
- Support operational excellence and accurate business processes
- Identify, manage, and escalate risks and high-risk transactions
- Ensure accurate documentation and regulatory compliance
- Participate in process improvements and cross-functional initiatives
- Maintain relationships with business lines, corporate functions, and control functions
- Monitor emerging issues, trends, and regulatory requirements
- Mentor colleagues, transfer knowledge, and contribute to team development
- Act as a brand ambassador for TD
Requirements
What you’ll need- Undergraduate degree
- 7+ years relevant experience
- In-depth understanding of commercial industry, business development techniques and credit decisions
- Proven business development track record
- 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
- Ability to originate and monitor larger loans with moderate to complex credit needs
- Ability to structure sophisticated solutions and complex deals
- Ability to assess credit requests and make recommendations for structuring credit deals
- Ability to perform due diligence, credit risk assessment, credit structure, and credit presentation
- Ability to travel domestically occasionally
- Ability to operate standard office equipment and perform sedentary work continuously
Benefits
Comp & perks- Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
- Health and well-being benefits
- Savings and retirement programs
- Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
- Banking benefits and discounts
- Career development
- Reward and recognition
- Regular career, development, and performance conversations with manager
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Workplace flexibility