TD Relationship Manager growing commercial banking relationships and business portfolios. Structuring credit, cash management, and banking solutions for commercial customers in Ontario.
Responsibilities
Deliver a superior customer experience while driving profitable business growth
Build new relationships and deepen existing customer relationships for credit and non-credit products and services
Manage an assigned commercial business portfolio
Develop a shadow portfolio of target businesses
Provide creative products and solutions tailored to customer needs
Use sales platforms to understand customer and target needs, industries, and markets
Structure financing, cash management, and broader business solutions
Develop and maintain centre of influence strategies and relationships
Identify and refer customer and prospect opportunities to internal Bank partners
Participate in networking events as a TD brand ambassador
Develop and implement sales strategies to attract, acquire, and retain customers
Promote the full suite of products, sales, services, and banking capabilities
Meet or exceed business targets
Negotiate for relationship profitability based on customer risk profiles
Contribute to credit applications, including risk assessment, credit structure, due diligence, and credit presentation
Oversee account management, monitoring, and compliance with guidelines and limits
Identify and manage risks and escalate high-risk transactions or activities
Develop productive relationships with external partners
Participate as a team member and support a positive, equitable work environment
Provide thought leadership and transfer knowledge within the team and business unit
Keep current on emerging trends and business tools and techniques
Participate in performance management, development, and cross-training activities
Mentor colleagues and share best practices
Lead and develop relationships with internal and external stakeholders
Report generally to the Senior Manager Commercial Sales
Requirements
Undergraduate/Graduate degree and/or 7+ years of relevant experience
Expert-level credit acumen
Ability to interpret and analyze customer financial statements
Expert knowledge of products, sales, services, credit management practices and processes
Knowledge of market trends, industries, customers, and broader economic factors
Ability to structure customized financing, cash management, and business solutions
Ability to assess credit risk, perform due diligence, and prepare credit presentations
Ability to manage accounts within guidelines and assigned limits
Ability to comply with regulatory and operational risk requirements
Ability to use sales platforms
Ability to develop centre of influence strategies and relationships
Ability to work with internal and external business partners and stakeholders
7+ years of relevant experience if no degree is held
Benefits
Base salary
Variable compensation
Health and well-being benefits
Savings and retirement programs
Paid time off
Banking benefits and discounts
Career development
Reward and recognition programs
Regular development conversations
Training programs
Online learning platform
Mentoring programs
Training and onboarding sessions
Accessibility accommodations during the interview process
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