Account Manager I

The Toronto-Dominion Bank (Canada); Victoria; On-site; CAD 70,000 - 98,000; Full time

Job summary

The Toronto-Dominion Bank (Canada) in Victoria, BC is seeking an Account Manager I to maintain an existing customer portfolio and grow the business through credit and non-credit product opportunities. You will deliver a superior client experience while ensuring regulatory and internal policy compliance and strong risk controls.

As part of the Commercial Services team, you will conduct credit analysis for your portfolio, build deep relationships with clients, and coordinate with internal partners

Qualifications

• Undergraduate/Graduate degree required or equivalent experience.
• Strong ability to analyze financial statements and assess credit risk.
• Experience in managing a customer portfolio and driving revenue within banking products.

Responsibilities

• Maintain an existing portfolio of customers and maximize value for credit and non-credit products/services.
• Deliver a superior customer experience while ensuring compliance and managing risk.
• Conduct credit analysis for own portfolio and prepare high-quality credit presentations.
• Identify referral opportunities to internal Bank partners to meet client needs.

Skills

Customer relationship management

Sales advisory support

Credit analysis

Portfolio management

Industry knowledge

Education

Undergraduate/Graduate degree

Job description

Work Location

Victoria, British Columbia, Canada

Hours

37.5

Line of Business

Personal & Commercial Banking

Pay Details

$69,700 - $98,400 CAD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description

• This role is accountable for maintaining an existing portfolio of customers and identifying opportunities to maximize the value of those relationships to the Bank for both credit and non-credit products/services.
• The role is accountable for delivering a superior customer experience while ensuring compliance requirements and minimizing operational risk.
• The Account Manager I is responsible for conducting credit analysis for own portfolio.
• 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
• 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
• Identify customer referral opportunities to internal Bank partners that meet customer needs
• SHAREHOLDER Executes sales strategies to retain customers
• Deepen existing customer relationships by consistently following the Business Banking Relationship Methodology (BBRM)
• 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 escalation 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
• 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
• Support the team by continuously enhancing knowledge / 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
• Contribute to the success of the team by willingly assisting others in the completion and performance of work as appropriate.
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand champion for your business area/function and the bank, both internally and /or externally

BREADTH & DEPTH

• Professional sales role with a focus on customer relationship management and / or sales advisory support
• Maintains a portfolio in line with the business sales model characterized by low to moderate cash management, deposit and credit complexity requirements
• Interpret and analyze customer financial statements with credit acumen
• Identifies referral opportunities across business lines and segments
• Requires an understanding of products/services and key competitors
• Possesses a solid understanding of the business, the competitive landscape and economic/market issues
• Solves problems of low to moderate complexity by taking a new perspective on existing product and service solutions
• Exercises judgement in planning and developing product and service solutions
• Work performed under moderate guidance and supervision from management
• Coordinates the identification, pursuit or management of accounts/opportunities with others while taking a primary role in managing the relationship
• Generally, reports to the Senior Manager, Commercial Services

Experience & Education

Undergraduate/Graduate degree and/or 3+ years of relevant experience and/or Associate Program

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 strive 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, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

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

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. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

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.

Language Requirement (Quebec only)

Sans Objet

Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific