Account Manager III (US)

TD Bank • New York, NY

2d • Onsite

About The Position

The Account Manager III is an internal sales role focused on increasing portfolio profitability, revenue, and retention by deepening existing customer relationships and cross-selling the full range of products and services. The role is the primary contact for a portfolio of relationships and serves as a secondary client contact for relationships managed by a Relationship Manager. It administers and monitors a portfolio of the largest and most complex commercial loans, manages loan relationships, and supports lending decisions through credit-risk evaluation and limited personal credit authority under the direction of the Relationship Manager.

The position maintains customer records and credit files, manages credit administration, exceptions, and risk, prepares management reports and loan review memos, and ensures loans conform to their terms and are adequately documented. It coordinates with operations and processing teams on loan payments, conducts site visits, and may accompany Relationship Managers on sales calls. The role also provides technical guidance, training, and mentoring to staff.

The position is based in New York, New York. TD describes its Total Rewards package as including base salary and variable compensation or incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition. Training, onboarding, career-development conversations, an online learning platform, and mentoring programs are also available.

Requirements

• A 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

• Grow portfolio profitability, revenue, and retention by deepening existing customer relationships and cross-selling products and services.
• Serve as the primary contact for a portfolio of relationships and as a secondary client contact for relationships managed by the Relationship Manager.
• Administer and monitor a portfolio of the largest and most complex commercial loans, and manage loan relationships within the portfolio.
• Build portfolio revenue to exceed growth goals by cross-selling to existing clients and developing a referral base of new clientele.
• Maintain accurate customer records, including credit administration, exceptions, risk management, and updated files and information.
• Prepare in-depth management reports summarizing portfolio activity.
• Administer existing loans to ensure conformity with loan terms and adequacy of documentation, including preparing review memos.
• Coordinate with operations and processing areas to ensure loan payments are collected and recorded.
• Keep customer credit-file information current by providing comments.
• 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 assist staff with 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.

Benefits

• Base salary and variable compensation or incentive awards, with eligibility for cash and/or equity incentive awards generally through participation in an incentive plan.
• Health and well-being benefits.
• Savings and retirement programs.
• Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO.
• Banking benefits and discounts.
• Career development.
• Reward and recognition.
• Training and onboarding sessions.
• Regular career, development, and performance conversations with a manager.
• Access to an online learning platform and mentoring programs. A competitive benefits plan is also mentioned.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior