Account Manager I

TD; Victoria; On-site; CAD 70,000 - 98,000; Full time

Benefits offered by this job

Total rewards package

Job summary

TD in Victoria, BC is seeking an Account Manager I to maintain an existing portfolio and grow relationships across credit and non-credit products. You will deliver a superior customer experience while managing risk and compliance.

The role requires credit analysis, ability to build referrals to internal partners, and adherence to the TD Business Banking Methodology. A degree and relevant experience are expected; TD offers a comprehensive total rewards package.

Qualifications

• Undergraduate/Graduate degree and/or 3+ years of relevant experience.
• Strong credit analysis and risk assessment skills.
• Proven ability to manage customer relationships and drive sales opportunities.

Responsibilities

• Maintain an existing portfolio and maximize value for credit and non-credit products.
• Lead credit and operational risk management for the assigned portfolio.
• Prepare high-quality credit applications with risk assessment and presentation.
• Identify referral opportunities to internal Bank partners.
• Ensure compliance with regulatory and operational risk requirements.

Skills

Credit analysis

Relationship management

Sales strategy

Risk management

Customer service

Education

Undergraduate/Graduate degree

Associate Program

Tools

CRM systems

Job description

Work Location:Victoria, British Columbia, CanadaHours:37.5Line of Business:Personal & Commercial BankingPay Details:$69,700 - $98,400 CADTD 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.CUSTOMERContinually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experienceResponsible to lead all aspects of account management, credit and operational risk for an assigned portfolioActively use sales platforms to build an understanding of our customers/target needs, industries and marketsConstantly build knowledge of the market, customers and broader economic factorsIdentify and respond to changes in the business environment, establishing action plans to address customer issues and prioritiesIdentify customer referral opportunities to internal Bank partners that meet customer needsSHAREHOLDERExecutes sales strategies to retain customersDeepen existing customer relationships by consistently following the Business Banking Relationship Methodology (BBRM)Meet or exceed business targetsNegotiate 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 presentationOversee the management of accounts to ensure they are appropriately monitored and remain within guidelines and assigned limitsRenew credits in a timely manner, meeting targets for expired creditsUnderstand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the BankActively refer to other business partners both within Business Banking and across TDBG and respond effectively to reciprocal referralsProtect the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessaryEnsure compliance with regulatory and operational risk requirementsAssume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of ConductEMPLOYEE / TEAMParticipate 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 issuesSupport the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unitKeep current on emerging trends/ developments and grow knowledge of the business, related tools and techniquesParticipate in personal performance management and development activities, including cross training within own teamKeep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activitiesContribute 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 workforceAct as a brand champion for your business area/function and the bank, both internally and /or externallyBREADTH & DEPTHProfessional sales role with a focus on customer relationship management and / or sales advisory supportMaintains a portfolio in line with the business sales model characterized by low to moderate cash management, deposit and credit complexity requirementsInterpret and analyze customer financial statements with credit acumenIdentifies referral opportunities across business lines and segmentsRequires an understanding of products/services and key competitorsPossesses a solid understanding of the business, the competitive landscape and economic/market issuesSolves problems of low to moderate complexity by taking a new perspective on existing product and service solutionsExercises judgement in planning and developing product and service solutionsWork performed under moderate guidance and supervision from managementCoordinates the identification, pursuit or management of accounts/opportunities with others while taking a primary role in managing the relationshipGenerally, reports to the Senior Manager, Commercial ServicesEXPERIENCE & EDUCATIONUndergraduate/Graduate degree and/or3+ years of relevant experience and/or Associate ProgramWho 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 PackageOur 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 moreAdditional 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 DevelopmentIf 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 & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’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.AccommodationYour 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 (Quebec only):Sans Objet