Robert J. Toth III
Easton
Summary
Dynamic relationship management expert focused on team collaboration and results-driven outcomes. Proven success in client engagement, conflict resolution, and strategic planning, consistently fostering lasting partnerships. Recognized for adaptability and reliability, with exceptional communication and problem-solving skills. Proficient in navigating evolving needs and driving success through innovative relationship strategies.
Overview
23
23
years of professional experience
Work History
SB Relationship Manager Commercial
TD Bank
Wilton, CT
01.2013 - Current
- Manage high net worth book of business of 200 elite clients; 50MM Portfolio
- Commercial loan origination up to 2.5 MM with growth of 15%
- Manage attrition of clients and help deepen their relationship with TD
- Community involvement and on hand store development of business lending
- Developed strong client relationships, enhancing customer satisfaction and loyalty.
- Analyzed client needs to provide tailored financial solutions and services.
- Mentored junior staff on best practices in client management and service delivery.
Broker
Ascend Financial Network
New Haven, CT
01.2010 - 01.2013
- Manage seven employees who originate over 25 million a year in Business
- Coordinate loans with more than 30 wholesale lenders across the country
- Handle training and compliance with licensing and regulations
- Implement conventional, commercial, FHA, VA, USDA, and CHFA loans
Small Business Area Manager
JP Morgan Chase Bank
Westport, CT
01.2006 - 01.2010
- Managed 500 client portfolio book, 90MM in loans
- Maintained 100+ million in deposit base between business/investments
- Analyzed market trends to identify opportunities for growth and competitive advantage.
- Assessed reports to evaluate performance, develop targeted improvements, and implement changes.
- Second phase of business development to further growth and cross-sell opportunities, as well as training of 22 Small Business Bankers
Business Banker/ Financial Advisor
The Bank of New York
Greenwich, CT
01.2004 - 01.2006
- Managed 400 client portfolio base
- 40 Million deposit base in checking, 125MM in investments
- Assisted in developing new techniques for sales and marketing of bank products
- Cultivated relationships with clients to understand financial goals and promote banking products.
- Conducted thorough financial analysis to assess creditworthiness and recommend lending solutions.
Education
Bachelor of Arts - Criminal Justice
Iona College
New Rochelle, NY05-2002
Skills
- Acumen: Experienced with a range of management, lending, and banking products
- Interpersonal: Extensive negotiation and relationship management skills
- Leadership: Lead small banker’s task force to generate new business, and involved heavily on multiple Chamber Boards and Non-profits
- Communication: Educate customers and business's about various financial products
- Problem Solving: Find innovative solutions to help retain clients and drive new business
- Goal-driven: Develop external relationships, including networking with local groups and organizations
- Dedicated: Worked full-time while attending college
- Portfolio growth
- Sales proficiency
Accomplishments
- Currently Ranked Top 10 at TD in Growth year to date as a Small Business Lender.
- Doubled business loans and growth of portfolio by 15% year over year, as well as met plan on deposit/Treasury Growth.
- Credit driven in growth of loans—8 million booked, year to date.
AREAS OF EXPERTISE
- Commercial banking
- Lending
- Investments
- Business Development
- Sales and Marketing
- Auditing and Compliance
- Real Estate
Timeline
SB Relationship Manager Commercial
TD Bank
01.2013 - Current
Broker
Ascend Financial Network
01.2010 - 01.2013
Small Business Area Manager
JP Morgan Chase Bank
01.2006 - 01.2010
Business Banker/ Financial Advisor
The Bank of New York
01.2004 - 01.2006
Bachelor of Arts - Criminal Justice
Iona College