Directeur principal, Crédit commercial

Lieu de travail: Canada

Horaire: 37.5

Secteur d’activité: Services bancaires personnels et commerciaux

Détails de la rémunération :

Nous avons à cœur d’offrir une rémunération juste et équitable à tous nos collègues. En votre qualité de candidat ou de candidate, nous vous encourageons à avoir une conversation franche avec votre recruteur et à poser des questions sur la rémunération, notamment les particularités salariales de ce poste.

Description du poste:

CUSTOMER

• Leads the execution and achievement of the business customer / partner experience targets by coaching and modelling appropriate behavior and executing on plans to continuously improve customer experience
• Acting as a part of the team in resolving customer operational and credit issues to deliver a positive customer experience
• Champion use of sales platform to build a robust understanding of our customer's/target's needs, industries and markets
• Lead and manage Account Managers in developing creative and competitive solutions that meet all the customers' needs
• Set service and control standards aligned to overall business objectives and oversee / monitor deliverable and results
• Develop and maintain relationship with internal and external partners for the purpose of delivering optimal customer service
• Constantly build knowledge of the market, customers and broader economic factors
• Develop and maintain centre of influence strategies and relationships
• Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities
• Primary escalation point for significant sales matters/ risk matters / exceptions for Account Managers
• Identify customer/prospect referral opportunities to internal Bank partners that meet customer needs
• Enhance TDBG brand by participating in network events

SHAREHOLDER

• Contribute to the development and implementation of the business plan, goal setting, growth strategies and coaching for the Unit
• Build new relationships and deepen existing customer relationships by consistently following the Business Banking Relationship Methodology (BBRM) and coach team to do the same
• Meet or exceed business targets for the Unit
• Negotiate to maximize profitability of relationships with existing customers based on the customer risk profile.
• Coach team members in assessing credit requests to determine risk and make appropriate recommendations to stakeholders / team members for structuring the credit
• Ensure team is referring full range of products to existing and new customers, to maximize returns and retention of relationships in line with customer risk profile
• Actively refer to other business partners both within Business Banking and across TDBG and respond effectively to reciprocal referrals
• Ensure all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies and procedures and ensure staff complete required compliance attestations/training within required guidelines
• Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions/activities as necessary
• Ensure employees are knowledgeable and assume responsibility to minimize operational and regulatory risk by complying with Bank and Industry Code of Conduct
• Understand changing market conditions and remain knowledgeable of relevant industry issues
• Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

EMPLOYEE / TEAM

• Cultivate and model the Colleague Promise to support colleague growth, and a culture of care; make an impact at work and in our communities by leading with authenticity and supporting well being to represent TD's brand
• Connect the alignment of colleague's contributions with the TD Shared Commitments
• Build and retain an engaged and diverse team that embraces diversity of thought, creativity and curiosity; where every colleague and customer are valued, respected, and listened to; committed to a common goal and collaborate to move with speed and get things done
• Demonstrate inclusive leadership by taking meaningful action with intention to support colleagues and customers across all dimensions of diversity, including those from underrepresented communities, being actively anti-racist, attracting and retaining diverse slate of candidates, nurturing mutual respect, inclusivity of thought and collaboration to drive successful results
• Sustain, identify strong talent, recruit and develop a diverse talent pipeline of qualified workforce to innovate and maximize individual strengths to lead to a better business outcome
• Enable colleague growth by encouraging colleague development to achieve career and business objectives; ensuring timely feedback, motivating appreciation and recognition to all colleagues
• Enable a continuous learning culture by proactively seeking, listening to and actioning feedback from peers and from colleague listening opportunities to continuously improve the colleague experience and grow your personal leadership
• Foster an environment that promotes sharing of knowledge, information, skills, and subject matter expertise among the team; ensure timely management and escalation of issues and create opportunities to collaborate with other functions and teams
• Lead your team through change and create an environment where teams feel psychologically safe to challenge current practices by modeling resiliency and flexibility, communicating a compelling vision with clarity and empowering colleagues to drive innovation
• Contributes to the development of business segment and/or enterprise functional strategic priorities within their operational area or field of specialty that drive results
• Develops annual and/or long-term plans for own area that are aligned with enterprise-wide priorities, reinforcing a focus on results that align to One TD
• Foster a high-performance culture by setting team targets and objectives, promoting and facilitating on-going feedback/coaching and conducting Quarterly Check-Ins for all colleagues to drive accountability and business results
• Manage employees in compliance with all human resources policies, procedures and guidelines of conduct

BREADTH & DEPTH

• Oversee, lead, and coach a team of Commercial Account Managers while growing talent, developing skills and capabilities to achieve career goals and business results
• Oversees credit management and sales function for moderate to highly complex commercial accounts
• Provides coaching, mentorship and guidance within area of expertise
• Manages and oversees the overall discipline and strategy for the respective areas while aligning to the enterprise best practices
• Strategic partner to leadership team on the management of the portfolio and unit profitability and accountability, with deep industry, external/internal, enterprise knowledge, recognizing and anticipating emerging trends and identifying operational efficiencies and opportunities with other business management/enterprise areas
• Involved in key strategic discussions related to strategic roadmap and/or deliverables/ frameworks/ short to long term goals etc.
• Set operational team direction and collaborate with others to execute on unit goals
• Focus on longer-range planning for business area (e.g. 12 months or greater)
• Develops and implements new and innovative approaches to the sales process, including negotiation of terms and approaches to account management – provides expert advice internally and externally
• Generally, reports to the Unit Leader

EXPERIENCE & EDUCATION

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