Account Manager II

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.

The role is accountable for delivering a superior customer experience while driving profitable business growth, in line with business strategy. This role is accountable for expanding its portfolio and maximizing the value of existing commercial business customer relationships for both credit and non-credit products/services. The Account Manager II is responsible for conducting credit analysis for own portfolio. The Account Manager II will develop the initial creation of 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 Responsible to lead all aspects of account management, credit and operational risk for an assigned portfolio Actively use sales platforms to build an understanding of our customers/target needs, industries and markets Constantly build knowledge of the market, customers and broader economic factors Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities 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. Prepare 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 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 EMPLOYEE / TEAM Participate fully as a member of the team, support a positive work