Associate Senior Relationship Manager

TD; Toronto; On-site; CAD 116,000 - 163,000; Full time

Job summary

TD in Toronto, Ontario, is seeking a Senior Relationship Manager who will deliver a superior client experience and drive profitable growth by building new relationships and deepening existing ones for credit and non-credit products.

You will manage a shadow portfolio, collaborate with lending advisory groups, and work with internal partners to tailor financing, cash management, and advisory solutions that meet client needs while maintaining risk standards.

Qualifications

• Undergraduate/Graduate degree and 10+ years of relevant experience.
• Ability to manage a portfolio and build new business relationships.
• Strong credit assessment and risk management capabilities.

Responsibilities

• Lead relationship management for an assigned portfolio and grow the client base.
• Act as trusted advisor to meet client financing and cash management needs.
• Collaborate with bankers and lending advisory groups to structure solutions.
• Assess credit requests and contribute to sound risk decisions.

Skills

Relationship management

Sales skills

Financial analysis

Communication skills

Education

Undergraduate/Graduate degree

Job description

Work Location: Toronto, Ontario, Canada

Hours: 37.5

Line of Business: Personal & Commercial Banking

Pay Details: $115,600 - $163,200 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

The Senior Relationship Manager is accountable for delivering a superior customer experience while driving profitable business growth, in line with business strategy. This role is accountable for building new relationships and deepening existing customer relationships for both credit and non-credit products / services. The Senior Relationship Manager will develop a shadow portfolio of target businesses commensurate with the market and their existing portfolio Works closely with internal and external subject matter experts and/or lending advisory groups.

CUSTOMER

Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience

• Lead all aspects of relationship management for an assigned portfolio


• Act as a trusted advisor 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 deep expert knowledge of the market, customers, and broader economic factors


• Identify and respond to changes in the business environment and establishing action plans to address customer issues and priorities


• Identify customer/prospect referral opportunities to internal Bank partners that meet customer needs


• Enhance business networking events

SHAREHOLDER

• Build new relationships and deepen existing customer relationships by consistently following the commercial sales methodology


• Promote and offer full suite of products, sales, services and banking capabilities


• Meet or exceed business targets


• Assess credit requests to determine risk and make appropriate recommendations for structuring credit deals


• Contribute to 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 elevate non-standard, high risk transactions / activities as necessary


• Ensure compliance with regulatory and operational risk requirements


• Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts


• 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

• 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

• Top level expert primarily accountable for origination of new customer business and relationship management for Commercial Large Business and Junior Corporate segments


• Manages a portfolio in line with the business sales model characterized by high complexity and credit requirements


• Interpret and analyze customer financial statements with deep level credit acumen


• Identifies referral opportunities across business lines and segments


• Anticipates emerging customer trends as a basis for recommending products and services and expanding the business


• Solves most complex problems with broad impact on the business segment and financials


• Possesses a highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business


• Works autonomously as the 'lead' and coaches and guides members within area of expertise


• Executes and may support others in complex account management processes structures sophisticated solutions and advice


• Compiles and interprets market intelligence to assist senior management with strategic direction for the business unit


• Communicates complex ideas, anticipates potential objections and persuades customers; negotiates significant terms


• Generally reports to the Unit Leader

EXPERIENCE & EDUCATION

Undergraduate/Graduate degree and/or 10+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 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

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.

We look forward to hearing from you!

Language Requirement (Quebec only)

Sans Objet