Account Manager III (US)

TD•New York, NY

3d•$124,280 - $186,160•Onsite

About The Position

The Account Manager III is an internal sales role responsible for growing portfolio profitability by deepening existing customer relationships. The role maximizes profitability, revenue, and retention through cross-selling the full range of products and services. It serves as the primary contact for a portfolio of relationships and as the secondary client contact for relationships managed by a Relationship Manager. The position administers and monitors the largest and most complex commercial loan portfolio, manages its loan relationships, and supports revenue growth through cross-selling and referrals. It maintains accurate customer, credit, risk, and loan records; prepares portfolio reports and review memos; and coordinates with operations and processing teams on loan payments. The Account Manager III conducts site visits, may accompany Relationship Managers on sales calls, contributes to credit decisions, provides technical guidance, and trains and mentors less experienced staff.

Requirements

Four-year degree or equivalent experience.
At least 5 years of related experience.
Proven understanding of the commercial credit decision process.
Proven credit, financial analysis, and accounting skills.
Proven knowledge of commercial legal and regulatory guidelines.
Proven customer service and relationship management skills, including a track record of building and expanding customer relationships.
Proven attention to detail.
Proven supervisory skills.
Proven verbal and written communication skills.

Responsibilities

Administer and monitor the largest portfolio of the most complex commercial loans and manage loan relationships within the portfolio.
Grow portfolio revenue to exceed growth goals by cross-selling products to existing clients and building a referral base of new clientele.
Maintain accurate customer records, including credit administration, exceptions, risk management, files, and updated information; prepare in-depth reports summarizing portfolio activity.
Administer existing loans to ensure conformity with terms and adequate documentation, including preparing review memos.
Coordinate with operations and processing areas to ensure loan payments are collected and recorded.
Add comments to customer credit files to keep information current.
Conduct regular site visits to audit accounts and verify adherence to loan agreements and terms.
Occasionally accompany Relationship Managers on sales calls to assist with account details and implementation.
Provide technical guidance and assistance to staff on complex work as needed.
Train and mentor new and less experienced staff.
Contribute input to loan decision processes based on credit risk evaluation and other key factors from Credit Management.
Use limited personal credit authority under the direction of the Relationship Manager to benefit customers and improve lending-process efficiency.