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Senior Relationship Manager, Ag. Services

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TD Bank

3mo ago

  • Job
    Full-time
    Expert Level
  • Sales & Business Development
    Banking & Finance
  • Abbotsford
  • Quick Apply

AI generated summary

  • You should have an undergraduate/graduate degree or 10+ years of relevant experience.
  • You will manage customer relationships, provide tailored financial solutions, assess credit risks, implement sales strategies, and mentor team members while ensuring compliance and driving business growth.

Requirements

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

Responsibilities

  • The Senior Relationship Manager, Ag. Services 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 and 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
  • 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 our 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
  • 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 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 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
  • 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
  • EMPLOYEE / TEAM: 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 for own area of expertise in own area 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 / or 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
  • BREADTH & DEPTH: Top level expert primarily accountable for origination of new customer business and relationship management for Large Ag 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

FAQs

What is the work location for the Senior Relationship Manager, Ag. Services position?

The work location is Canada.

What are the working hours for this role?

The working hours are 37.5 hours per week.

What line of business does this position fall under?

This position falls under Personal & Commercial Banking.

What is the primary responsibility of the Senior Relationship Manager?

The primary responsibility is to deliver a superior customer experience while driving profitable business growth, building new relationships, and deepening existing customer relationships for both credit and non-credit products/services.

What level of experience is required for this position?

An undergraduate/graduate degree and/or 10+ years of relevant experience are required.

What is the expected approach towards customer service in this role?

The expected approach is to continually deliver exceptional customer service at every interaction and execute plans to continuously improve the customer experience.

Will the Senior Relationship Manager be responsible for managing a portfolio?

Yes, the Senior Relationship Manager will oversee a designated portfolio in line with the business sales model.

What is the compensation approach for this role?

The bank is committed to providing fair and equitable compensation, and candidates are encouraged to have an open dialogue with the HR team regarding pay details.

Does TD provide opportunities for career development?

Yes, TD offers regular leadership and development conversations, mentorship, and training programs to support colleagues in achieving their goals.

Will the Senior Relationship Manager need to assess credit requests?

Yes, the Senior Relationship Manager will assess credit requests to determine risk and make appropriate recommendations for structuring credit deals.

How important is networking in this role?

Networking is very important; the role entails enhancing business networking events and identifying referral opportunities to internal Bank partners.

Is there any support for training and onboarding in this position?

Yes, training and onboarding sessions will be provided to ensure new hires have everything they need to succeed in their role.

What should candidates expect regarding the interview process?

Candidates of interest will be contacted to schedule an interview, and the organization aims to communicate outcomes to all applicants by email or phone call.

Are there accommodations available during the interview process?

Yes, accommodations can be provided upon request to help remove barriers and facilitate participation in the interview process.

What type of products and services will the Senior Relationship Manager promote?

The Senior Relationship Manager will promote and offer a full suite of products, sales, services, and banking capabilities to meet customer needs.

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TD Bank

Finance
Industry
10,001+
Employees

Mission & Purpose

Headquartered in Toronto, Canada, the Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group (TD). TD had CDN$1.9 trillion in assets on July 31, 2023. TD also ranks among the world’s leading online financial services firms, with more than 16 million active online and mobile customers. TD offers a full range of financial products and services to over 27.5 million customers worldwide through four key business lines: - Canadian Personal and Commercial Banking including TD Canada Trust, Business Banking, and MBNA - U.S. Retail including TD Bank, America’s Most Convenient Bank, TD Auto Finance (U.S.), TD Wealth (U.S.) and TD’s investment in Schwab - Wealth Management & Insurance including TD Wealth (Canada), TD Direct Investing, and TD Insurance - Wholesale Banking including TD Securities and TD Cowen