Relationship Manager

TD; Toronto; On-site; CAD 96,900 - 136,800; Full time

Job summary

TD is seeking a Relationship Manager in Toronto to deliver a superior customer experience while driving profitable business growth within Personal & Commercial Banking. You will build new relationships and deepen existing ones for credit and non-credit products/services, developing a shadow portfolio aligned with market opportunities.

You will work with internal experts and lending advisory groups to structure solutions, manage risk, and meet growth targets for your assigned portfolio.

Qualifications

• 7+ years of relevant experience in commercial banking/relationship management.
• Undergraduate/Graduate degree required.
• Strong understanding of credit, risk assessment and lending processes.
• Proven ability to develop and manage client relationships and grow portfolios.

Responsibilities

• Deliver superior customer experience across assigned portfolio.
• Lead all aspects of relationship management for commercial clients.
• Develop and manage a shadow portfolio aligned to target markets.
• Collaborate with lending advisory teams to structure and present proposals.
• Identify referral opportunities to internal partners and drive profitability.
• Ensure compliance with regulatory and risk guidelines.

Skills

Relationship management

Sales & business development

Credit analysis

Customer service

Portfolio management

Education

Bachelor's or higher degree

Job description

Work Location: Toronto, Ontario, Canada

Hours: 37.5

Line of Business: Personal & Commercial Banking

Pay Details: $96,900 - $136,800 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 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 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 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 elevate 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

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.

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