Account Manager II

TD•Mississauga, ON

9d•Onsite

About The Position

The Account Manager II is an experienced professional responsible for delivering a superior customer experience and driving profitable business growth in line with business strategy. This role focuses on expanding the portfolio and maximizing the value of existing commercial business customer relationships for both credit and non-credit products/services. Key responsibilities include conducting credit analysis for their own portfolio and developing an initial shadow portfolio of target businesses. The Account Manager II works closely with internal and external subject matter experts and/or lending advisory groups. This role involves the origination of new business and relationship management for existing customers within the Commercial Business segment, managing a portfolio with moderate cash management, deposit, and credit complexity. The individual will interpret and analyze customer financial statements with credit acumen, identify referral opportunities across business lines, and possess solid knowledge of products, sales, services, credit management practices, and operating standards. They will solve problems of moderate complexity, recommend new product and service solutions, and operate under moderate guidance and supervision from management, building stakeholder alignment and conveying deep product/segment context to customers and stakeholders.

Requirements

Undergraduate/Graduate degree and/or 5+ years of relevant experience and/or Associate Program

Responsibilities

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
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
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
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 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