Accounting & Finance | Account Manager I, Commercial Banking - FT

Work Location:

Victoria, British Columbia, Canada

 

Hours:

37.5

 

Line of Business:

Personal & Commercial Banking

 

Pay Details:

$66,200 - $98,400 CAD

 

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.

 

Job Description:

This role is accountable for maintaining an existing portfolio of customers and identifying opportunities to maximize the value of those relationships to the Bank for both credit and non-credit products/services. The role is accountable for delivering a superior customer experience while ensuring compliance requirements and minimizing operational risk. The Account Manager I is responsible for conducting credit analysis for own portfolio.

 

CUSTOMER

• Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
• Responsible to lead all aspects of account management, credit and operational risk for an assigned portfolio
• Actively use sales platforms to build an understanding of our customers/target needs, industries and markets
• Constantly build knowledge of the market, customers and broader economic factors
• Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities
• Identify customer referral opportunities to internal Bank partners that meet customer needs

 

SHAREHOLDER

• Executes sales strategies to retain customers
• Deepen existing customer relationships by consistently following the Business Banking Relationship Methodology (BBRM)
• Meet or exceed business targets
• Negotiate to maximize profitability of relationships with existing customers based on the customer risk profile.
• Prepare 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
• Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

 

EMPLOYEE / TEAM

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
• Participate in personal performance management and development activities, including cross training within own team
• Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contribute to the success of the team by willingly assisting others in the completion and performance of work as appropriate.
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand champion for your business area/function and the bank, both internally and /or externally

 

BREADTH & DEPTH

• Professional sales role with a focus on customer relationship management and / or sales advisory support
• Maintains a portfolio in line with the business sales model characterized by low to moderate cash management, deposit and credit complexity requirements
• Interpret and analyze customer financial statements with credit acumen
• Identifies referral opportunities across business lines and segments
• Requires an understanding of products/services and key competitors
• Possesses a solid understanding of the business, the competitive landscape and economic/market issues
• Solves problems of low to moderate complexity by taking a new perspective on existing product and service solutions
• Exercises judgement in planning and developing product and service solutions
• Work performed under moderate guidance and supervision from management
• Coordinates the identification, pursuit or management of accounts/opportunities with others while taking a primary role in managing the relationship
• Generally, reports to the Senior Manager, Commercial Services

 

EXPERIENCE & EDUCATION

• Undergraduate/Graduate degree and/or
• 3+ years of relevant experience and/or Associate Program

 

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

 

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.