This expert-level professional role is primarily accountable for originating new customer business and managing relationships within the Commercial Business segment. The Relationship Manager drives profitable business growth by delivering a superior customer experience, building new relationships, and deepening existing ones for both credit and non-credit products and services.
Responsibilities
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
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
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
Millions of jobs, with real people getting hired every day
200,000+
New jobs added daily
7,000,000+
Verified job listings
1,000,000+
Tailored applications submitted
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
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
Manage 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
Identify referral opportunities across business lines and segments
Anticipate, identify and interpret market trends, and apply this knowledge to serve the needs of the customers
Solve problems of moderate to high complexity and recommend new product and service solutions
Possess an expert level knowledge of products, sales, services, credit management practices and processes, methods and operating standards to drive business performance
Work autonomously as the 'lead' and coach and guide members within area of expertise
Execute and may support others in complex account management processes – structure customized solutions and advice
Guide and influence customers and stakeholders; convert information to compelling business context and advice at increasingly senior levels
Compile and interpret market intelligence that helps senior management with strategic direction for the business unit
Requirements
Undergraduate/Graduate degree and/or 7+ years of relevant experience
Benefits
Growth opportunities and skill development
Variable compensation
Health and well-being benefits
Savings and retirement programs
Paid time off
Banking benefits and discounts
Career development
Reward and recognition programs
Regular development conversations
Training programs
Online learning platform
Variety of mentoring programs
Important Details
Hours: 37.5
Line Of Business: Personal & Commercial Banking
Generally reports to the Senior Manager Commercial Sales
Interview Process
Candidates of interest will be scheduled for an interview
Accommodation
Accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) are available to help remove barriers so that you can participate throughout the interview process
About the Company
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, it strives 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, believing that all colleagues, no matter where they work, are client facing. Together, the company is reimagining what banking can be for its clients, colleagues and communities.
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group (TD).
