Associate Manager Commercial Services

5 days ago


SaintLaurent, Canada TD Bank Full time

**TD Description**

Stay current and competitive. Carve out a career for yourself. Grow with us.

**Department Overview**
- The Manager Commercial Services (MCS) is responsible for credit and operational risk as well as the Unit’s sales growth. The position reports to the Unit Leader and interfaces with Commercial Credit Risk Management on a frequent basis. The position is accountable for achieving The Quest in addition to delivering a superior customer experience while driving profitable business growth.
- Assist in executing business plan, goal setting, growth strategies and coaching for the Unit
- Grow Contribution to Profit (CTP) of the Unit’s Portfolio
- Meet or exceed annual sales, revenue, volume & new customer objectives for the Unit
- Build new relationships and deepen existing customer relationships by consistently following the Commercial Sales methodology - Coach Team to consistently follow the Commercial Sales methodology.
- Effectively use CARMA Sales and CARMA Credit - lead by example
- Assist in providing coverage and growing your team’s shadow portfolio and document activity in CARMA.
- Actively refer to other business partners both within Business Banking and across TDBFG and respond effectively to reciprocal referrals
- Be the expert on pricing models and execute consistently with Business Banking goals
- Coach Commercial Banking team in meeting business development targets by recommending alternatives in structure or pricing to meet the needs of customers and to adhere to TD’s risk management policies and credit appetite
- Negotiate to maximize profitability of relationships with new and existing customers based on the customer risk profile ensuring appropriate credit RAROC is earned at all times
- Cross-sell the full range of products to existing and new customers, as applicable, to maximize revenue/profit and retention of relationships based on the risk profile of the customer

**Job Requirements**
- Ensure that all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc) and ensure that all staff complete required compliance attestations/training within required timelines- Ensure appropriate balance between customer risk and pricing
- Approve credits within delegated limits and make recommendations on all others
- Ensure the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures- Implement and operate systems to identify and mitigate operational risk issues, including acting as the Unit’s designated anti-money laundering officer
- Follow and ensure staff are knowledgeable of and comply with Bank and Industry Codes of Conduct
- Understand changing market conditions and remain knowledgeable of relevant industry issues.
- Accountability to the Customer
- Be actively involved in ensuring the unit meets or exceeds its CEI target. Deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.
- Resolve customer & credit issues to deliver a positive customer experience
- Champion use CARMA Credit and Sales to build a robust understanding of our customers/targets needs, industries and markets.
- Enhance TDBFG brand by participating at network events in your community - be the face of the bank
- Coach Account Managers and Associates in developing creative credit solutions that add value for our customers
- “Deliver the Bank” by recommending, introducing and referring appropriate TDBFG Business Partners and Products
- Act as a consultant to the team in resolving customer credit issues
- Accountability to the Team
- Embrace and promote a positive work environment that supports a diverse workforce and a positive employee experience using available tools and support (i.e./ TD Pulse, Performance Management Process, Professional Development Plan)
- Lead and develop a highly effective and respected team of Business Banking professionals by recruiting, training and providing coaching and guidance on career/professional development and conducting on-going feedback and performance assessments to support the Bank’s focus on building talent for the future
- Demonstrate leadership as per the TDBFG Guiding Principles and the Leadership Profile

**Inclusiveness**

At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet you



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