Relationship Manager, Commercial Sales

Personal & Commercial Banking

96 900$/$96,900 - 136 800$/$136,800 CAD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. TD Auto Finance (TDAF) is a dynamic division within TD Business Banking. This is an exciting opportunity to join a rapidly growing business with Automotive Banking Centres located in Toronto, Calgary and Montreal. Led by regional Market Leaders, our team of commercial bankers is focused on providing a robust array of financing and cash management solutions to our clients within the automotive dealership industry in Canada.

The TDAF Commercial team is focused on lending to auto dealers across the country, providing comprehensive solutions to meet the banking needs of clients. Transactions can range significantly in size and complexity from ~$15mm for small, single store dealers to +$250mm for large dealer groups.

TDAF's goal is to become Canada's #1 auto lender. Including TDAF Retail and Commercial, we are over 900 people strong including an external sales team located coast to coast, as well as teams in credit adjudication, funding, inside sales, loan administration, customer service, collections and recovery, and our federated functions of risk management, technology solutions, finance & human resources.

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 confident business banker 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 customer/prospect referral opportunities to internal Bank partners that meet customer needs

Enhance TDBG brand by participating in networking events

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 Business Banking Relationship Methodology (BBRM).

Promote and offer full suite of products, sales, services and banking capabilities

Negotiate to maximize profitability of relationships with existing customers based on the customer risk profile.

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.

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

Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

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

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

Expert level professional role primarily accountable for origination of new customer business and relationship management for the Commercial Business segment

Manages a portfolio in line with the business sales model characterized by moderate to high cash management, deposit and credit complexity requirements

Interpret and analyze customer financial statements with deep expert level credit acumen

Anticipates, identifies and interprets market trends, and applies this knowledge to serve the needs of the customers

Solves problems of moderate to high complexity and recommend new product and service solutions

Possesses an expert level knowledge of products, sales, services, credit management practices and processes, methods and operating standards to drive business performance

Executes and may support others in complex account management processes - structures customized solutions and advice

Guides and influences customers and stakeholders; converts information to compelling business context and advice at increasingly senior levels

Compiles and interprets market intelligence that helps senior management with strategic direction for the business unit

Generally, reports to the Senior Manager Commercial Sales

Undergraduate/Graduate degree and/or

~TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Here at TD, we hire and develop the best.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

We do our best to communicate outcomes to all applicants by email or phone call.

Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

Language Requirement (Quebec only):

Maîtrise d'une langue autre que le français pour offrir du soutien ou traiter avec des employés ou des collègues qui ont besoin de services et de soutien dans une langue autre que le français.