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TD

Relationship Manager III, Business Banking

TD
Location
Halifax, NS
Details
Full Time
6 days ago
Company Overview

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Department Overview
Expand portfolio and maximize the value of existing Commercial business customer relationships for both credit and non-credit products/services. Working as a team with a Credit Analyst, develop a shadow portfolio of target businesses commensurate with the market and its existing portfolio. Accountable for delivering a superior customer experience while driving profitable business growth, in line with business strategy.

Job Description
CUSTOMER: Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
• Lead all aspects of relationship management for an assigned portfolio
• Act as a trusted advisor expected to meet the needs of customers by providing creative products/solutions Actively use sales platforms to build a robust understanding of our customers/target needs, industries, and markets
• Understand customer's operating environment, structure unique financing, cash management and overall business needs to add value to the customer
• Possess and constantly build deep expert knowledge of the market, customers, and broader economic factors
• Identify and respond to changes in the business environment and establishing action plans to address customer issues and priorities
• Identify customer/prospect referral opportunities to internal Bank partners that meet customer needs
• Enhance business networking events

SHAREHOLDER: Develop / implement sales strategies to proactively attract, acquire and retain customers / business development opportunities and referrals, to increase profitability and enable business growth, in line with risk profile of the customer
• Build new relationships and deepen existing customer relationships by consistently following the commercial sales methodology
• Promote and offer full suite of products, sales, services and banking capabilities
• Meet or exceed business targets
• Assess credit requests to determine risk and make appropriate recommendations for structuring credit deals
• Contribute to credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation
• Oversee the management of accounts to ensure they are appropriately monitored and remain within guidelines and assigned limits. Renew credits in a timely manner, meeting targets for expired credits.
• Understand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank
• Actively refer to other business partners both within Business Banking and across TDBG and respond effectively to reciprocal referrals
• Protect the interests of the organization identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
• Ensure compliance with regulatory and operational risk requirements
• Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
• Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
• Develop a productive relationship with external partners as means to identify new business opportunities

Requirements
BREADTH & DEPTH: • Top level expert primarily accountable for origination of new customer business and relationship management for Commercial Large Business and Junior Corporate segments
• Manages a portfolio in line with the business sales model characterized by high complexity and credit requirements
• Interpret and analyze customer financial statements with deep level credit acumen
• Identifies referral opportunities across business lines and segments
• Anticipates emerging customer trends as a basis for recommending products and services and expanding the business
• Solves most complex problems with broad impact on the business segment and financials
• Possesses a highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business
• Works autonomously as the 'lead' and coaches and guides members within area of expertise
• Executes and may support others in complex account management processes structures sophisticated solutions and advice
• Compiles and interprets market intelligence to assist senior management with strategic direction for the business unit
• Communicates complex ideas, anticipates potential objections and persuades customers; negotiates significant terms
• Generally reports to the Unit Leader

EXPERIENCE & EDUCATION: Undergraduate/Graduate degree and/or 10+years of relevant experience

Hours
37.5

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 and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
Category
Banking, Finance and Insurance