SBA Commercial Lender

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.  As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

The SBA Commercial Lender services the needs of large/complex business portfolios, customizing a broad range of products and services to meet the financial needs of TD's customers. The job acquires, develops and manages commercial banking relationships by providing customized solutions across different commercial segments to build a strategy that is right for the customer now, and in the future with a focus on growing the portfolio by providing financial solutions and developing new business from both existing and new customers.   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. Depth & Scope: Highly seasoned professional role requiring substantial expertise in a customer segment or product / service line Originates and monitors larger loans with moderate to complex credit needs and/or supports a growing Region or a Region with more complex relationships and transactions Accountable for sales and / or delivery of solutions  across business lines and segments Recommends best practices to improve products or services; integrates a deep understanding of target customer market and dynamics Anticipates, identifies and interprets market trends, and applies this knowledge to serve the needs of the customers Manages existing strategic accounts/opportunities that represent the business segments largest/most important accounts and/or takes a significant business development focuses Solves or may lead others to solve complex problems; leads efforts to develop new product and service solutions or structure complex deals Executes and may direct others in complex account management processes – structures sophisticated solutions and advice Impacts a range of sales achievement for strategic accounts Guides and influences customers and stakeholders; converts information to compelling business context and advice at increasingly senior levels Works autonomously as the 'lead'  and guides members within area of expertise Identifies and leads problem resolution for complex requirements related issues at all levels Experience in SBA 7A & SBA 504      .

Undergraduate degree 7+ 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 Customer Accountabilities: Responsible for growth goals (loans, deposits, fees), both individually and within the team, through development of new business Customers and cross selling existing Customers as well as an established network of resources Makes sales calls and may coordinate sales calling efforts, gather related financial and general