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Account Manager II
TDAccount Manager II growing commercial banking portfolios and customer relationships for TD, a major North American financial institution. Managing credit analysis, sales strategies, risk, and business development.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis, relationship management, and business development within the Commercial Business segment, while effectively driving customer engagement and profitability. Proficient in identifying referral opportunities and managing operational risks in compliance with regulatory standards.
Highest-signal resume keywords
Credit AnalysisRelationship ManagementBusiness DevelopmentPortfolio ManagementRegulatory Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AcumenFinancial Statement AnalysisSales Strategy DevelopmentRisk AssessmentCustomer Needs Analysis
Soft Skills
Problem SolvingStakeholder AlignmentMentorshipCommunicationTeam Collaboration
Tools & Technologies
Sales PlatformsBanking Capabilities
Certifications & Qualifications
Undergraduate DegreeGraduate Degree
Industry Keywords
Commercial BusinessCredit Management PracticesMarket KnowledgeOperational RiskCode of Conduct
About the role
Key responsibilities & impact- Deliver a superior customer experience while driving profitable business growth
- Expand the portfolio and maximize the value of existing commercial business customer relationships for credit and non-credit products and services
- Conduct credit analysis for the assigned portfolio
- Create a shadow portfolio of target businesses aligned with the market and existing portfolio
- Lead account management, credit, and operational risk for an assigned portfolio
- Use sales platforms to understand customer and target needs, industries, and markets
- Build market, customer, and broader economic knowledge
- Identify and respond to changes in the business environment and establish action plans
- Develop and maintain centre of influence strategies and relationships
- Identify customer and prospect referral opportunities to internal Bank partners
- Participate in networking events as a TD brand ambassador
- Develop and implement sales strategies to attract, acquire, and retain customers and business development opportunities
- Build new and deepen existing customer relationships using the Business Banking Relationship Methodology
- Promote and offer the full suite of products, sales, services, and banking capabilities
- Meet or exceed business targets
- Negotiate to maximize relationship profitability based on customer risk profiles
- Prepare credit applications with high-quality risk assessment, credit structure, due diligence, and credit presentation
- Oversee account management to ensure appropriate monitoring and compliance with guidelines and limits
- Renew credits in a timely manner
- Refer customers to business partners across Business Banking and TDBG
- Identify, manage, and escalate risks and non-standard or high-risk transactions and activities
- Participate fully as a team member, support a positive work environment, and communicate issues promptly
- Provide industry knowledge and participate in knowledge transfer
- Keep current on emerging trends and developments
- Participate in performance management, development, and cross-training
- Provide mentorship and share best practices
- Develop productive relationships with internal and external stakeholders
- Keep stakeholders informed about project and day-to-day activity status
- Support a fair, positive, equitable, diverse, and inclusive workplace
Requirements
What you’ll need- Undergraduate/Graduate degree and/or 5+ years of relevant experience and/or Associate Program
- Experience working as a professional accountable for origination of new business and relationship management of existing customers for the Commercial Business segment
- Ability to manage a portfolio with moderate cash management, deposit and credit complexity requirements
- Credit acumen and ability to interpret and analyze customer financial statements
- Knowledge of products, sales, services, credit management practices and processes, methods and operating standards
- Ability to solve problems of moderate complexity and recommend new product and service solutions
- Knowledge of the market and industries within the portfolio
- Ability to identify referral opportunities across business lines and segments
- Ability to work under moderate guidance and supervision
- Ability to build stakeholder alignment and provide advice to customers and stakeholders
- Ability to work in compliance with regulatory and operational risk requirements
- Ability to comply with Bank and industry Code of Conduct
Benefits
Comp & perks- Base salary
- Variable compensation
- Health and well-being benefits
- Savings and retirement programs
- Paid time off
- Banking benefits and discounts
- Career development
- Reward and recognition programs
- Regular career, development, and performance conversations
- Training programs
- Online learning platform
- Mentoring programs
- Training and onboarding sessions
- Interview accommodations, including accessible meeting rooms and captioning for virtual interviews