Job Information
TD Bank Account Manager III in Lethbridge, Alberta
Work Location:
Lethbridge, Alberta, Canada
Hours:
37.5
Line of Business:
Personal & Commercial Banking
Pay Details:
We’re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.
Job Description:
CUSTOMER
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
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 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.
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
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 business and relationship management of existing customers 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 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 independently with minimal management guidance and supervision
Executes and may support others in complex account management processes – structures sophisticated 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 to assist senior management with strategic direction for the business unit
Generally, reports to the Senior Manager Commercial Services
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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.
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 recognition programs. Learn more (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td)
Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!
Language Requirement:
N/A.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.