Relationship Manager III, Business Banking

The Toronto-Dominion Bank; Nanaimo; On-site; CAD 86,000 - 130,000; Full time

Job summary

A leading financial institution is seeking a Relationship Manager in Nanaimo, BC. This role emphasizes exceptional customer interactions and deepening business relationships while driving growth through strategic management of a diverse clientele. The ideal candidate will possess a mix of professional expertise and commitment to client satisfaction, navigating the complexities of diverse financial offerings.

Qualifications

• 7 years of relevant experience and a degree required.
• Expert level knowledge of products and market trends.
• Ability to build and maintain relationships and manage risk.

Responsibilities

• Deliver exceptional customer service and drive profitable business growth.
• Manage a portfolio with moderate to high complexity.
• Negotiate principles for maximizing profitability.

Skills

Business Intelligence

Account Development

Bidding

Accounting And Auditing

Architectural Design

Content Development

Education

Undergraduate / Graduate degree

Job description

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 candidates 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 customers 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

Who We Are :

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches / stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

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 :

Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were 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 youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll 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. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

Training & Onboarding

We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process

Well 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 youd 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) :

Required Experience :

Manager

Key Skills

Business Intelligence,Bidding,Accounting And Auditing,Account Development,Architectural Design,Content Development

Employment Type : Full-Time

Experience : years

Vacancy : 1

Monthly Salary Salary : 86600 - 130000

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Relationship Manager • Nanaimo, British Columbia, Canada