Relationship Manager

TD Bank; Abbotsford; On-site; CAD 80,000 - 100,000; Full time

Job summary

A leading bank is seeking a Relationship Manager in Abbotsford to enhance customer experiences and manage a diverse portfolio. The role involves developing sales strategies, building relationships, and ensuring compliance with regulatory standards. Ideal candidates will have significant experience in banking and strong analytical skills.

Qualifications

• 7+ years of relevant experience required.
• Expert level knowledge of products and credit management practices.

Responsibilities

• Deliver exceptional customer service and improve customer experience.
• Lead relationship management for assigned portfolio.
• Develop and implement sales strategies to attract and retain customers.

Skills

Customer Service

Relationship Management

Sales Strategies

Credit Management

Market Analysis

Education

Undergraduate / Graduate degree

Job description

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 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 deep 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.
• 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.
• 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 customer business and relationship management 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 deep 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 autonomously as the 'lead' and coaches and guides members within area of expertise
• Executes and may support others in complex account management processes – structures customized 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 that helps senior management with strategic direction for the business unit
• Generally, reports to the Senior Manager Commercial Sales

EXPERIENCE & EDUCATION

• Undergraduate / Graduate degree and / or
• 7+ years of relevant experience

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Relationship Manager • Abbotsford, Fraser Valley Regional District, Canada