Dir. princ. des relations-clients

Position Dir. princ. des relations-clients at TD Salary $108,800 - $163,200 CAD Location Ottawa, Ontario, Canada Hours 37.5 hours per week Sector Services bancaires personnels et commerciaux Description du poste The Senior 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 Senior Relationship Manager will develop a shadow portfolio of target businesses commensurate with the market and their existing portfolio, working closely with internal and external subject matter experts and lending advisory groups. Key Responsibilities – Customer Focus Lead all aspects of relationship management for an assigned portfolio. Act as a trusted advisor expected to meet the needs of customers by providing creative products/solutions. Actively use sales platforms to build a robust understanding of customers, target needs, industries, and markets. Understand customer's 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. Identify and respond to changes in the business environment and establishing action plans to address customer issues and priorities. Identify customer/prospect referral opportunities to internal Bank partners that meet customer needs. Enhance business networking events. Key Responsibilities – Shareholder Focus Develop/implement sales strategies to proactively attract, acquire and retain customers and business development opportunities and referrals, to increase profitability and enable business growth, in line with the risk profile of the customer. Build new relationships and deepen existing customer relationships by consistently following the commercial sales methodology. Promote and offer full suite of products, sales, services and banking capabilities. Meet or exceed business targets. Assess credit requests to determine risk and make appropriate recommendations for structuring credit deals. 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. 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 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. Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts. 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. Key Responsibilities – Employee / Team Focus 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 in own area of expertise 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 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. Key Responsibilities – Breadth & Depth Top level expert primarily accountable for origination of new customer business and relationship management for Commercial Large Business and Junior Corporate segments. Manages a portfolio in line with the business sales model characterized by high complexity and credit requirements. Interpret and analyze customer financial statements with deep level credit acumen. Identifies referral opportunities across business lines and segments. Anticipates emerging customer trends as a basis for recommending products and services and expanding the business. Solves most complex problems with broad impact on the business segment and financials. Possesses a highly sophisticated understanding of customer needs and competitor offerings that contribute to the direction of the business. 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 sophisticated solutions and advice. Compiles and interprets market intelligence to assist senior management with strategic direction for the business unit. Communicates complex ideas, anticipates potential objections and persuades customers; negotiates significant terms. Generally reports to the Unit Leader. Experience & Education Undergraduate/Graduate degree and/or 10+ years of relevant experience. Seniority Level Director Employment Type Full-time Job Function Business Development and Sales Industries Banking About TD La TD est un chef de file mondial dans le secteur des institutions financières. Elle représente la cinquième banque en Amérique du Nord par son nombre de succursales. Chaque jour, nous offrons une expérience client légendaire à plus de 27 millions de ménages et d’entreprises au Canada, aux États-Unis et partout dans le monde. #J-18808-Ljbffr