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:
The Relationship Manager is accountable for delivering a superior customer experience while driving profitable business growth, in line with business strategy. This role is accountable for building new relationships and deepening existing customer relationships for both credit and non-credit products/services. The Relationship Manager will develop a shadow portfolio of target businesses commensurate with the market and their existing portfolio. Works closely with internal and external subject matter experts and/or lending advisory groups.
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 confident business banker 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
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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
Develop and maintain centre of influence strategies and relationships
Identify customer/prospect referral opportunities to internal Bank partners that meet customer needs
Enhance TDBG brand by participating in 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 Business Banking Relationship Methodology (BBRM).
Promote and offer full suite of products, sales, services and banking capabilities
Meet or exceed business targets
Negotiate to maximize profitability of relationships with existing customers based on the customer risk profile.
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.
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
Develop a productive relationship with external partners as means to identify new business opportunities
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
Provide thought leadership and/ or industry knowledge for own area of 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
Provide mentorship by sharing knowledge and experiences and leveraging best practices
Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
Contribute to a fair, positive and equitable environment that supports a diverse workforce
Act as a brand ambassador for your business area/function and the bank, both internally and/or externally
BREADTH & DEPTH
Expert level professional role primarily accountable for origination of new customer business and relationship management for the Commercial Business segment
Manages a portfolio in line with the business sales model characterized by moderate to high cash management, deposit and credit complexity requirements
Interpret and analyze customer financial statements with deep expert level credit acumen
Identifies referral opportunities across business lines and segments
Anticipates, identifies and interprets market trends, and applies this knowledge to serve the needs of the customers
Solves problems of moderate to high complexity and recommend new product and service solutions
Possesses an expert level knowledge of products, sales, services, credit management practices and processes, methods and operating standards to drive business performance
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 customized solutions and advice
Guides and influences customers and stakeholders; converts information to compelling business context and advice at increasingly senior levels
Compiles and interprets market intelligence that helps senior management with strategic direction for the business unit
Generally, reports to the Senior Manager Commercial Sales
EXPERIENCE & EDUCATION
Undergraduate/Graduate degree and/or
7+ years of relevant experience
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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and
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