Account Manager III, National Real Estate Group (ATHN 399)

Work Location

Edmonton, Alberta, Canada

Hours

Line of Business

Personal & Commercial Banking

Pay Details

$96,900 - $136,800 CAD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. 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. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description

The National Real Estate Group (NREG) is a specialized team within TD Commercial Banking focused on providing banking solutions for real estate development and construction projects. Partnering with developers, investors, and real estate professionals, NREG delivers customized financing solutions that support clients throughout the real estate lifecycle. Leveraging deep industry expertise, strong financial acumen, and relationship management excellence, the team delivers a best-in-class client experience while helping clients achieve their business objectives and long-term growth strategies.

The role is accountable for delivering a superior customer experience while driving profitable business growth, in line with business strategy. This role is accountable for expanding its portfolio and maximizing the value of existing commercial business customer relationships for both credit and non-credit products/services. The Account Manager III is responsible for conducting credit analysis for own portfolio and may work with a Credit Analyst on most complex deals.

The Account Manager III will develop a shadow portfolio of target businesses commensurate with the market and their existing portfolio. 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

Responsible to lead all aspects of account management, credit and operational risk 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 expert knowledge of the market, customers, and broader economic factors

Develop and maintain centre of influence strategies and relationships

Identify customer/prospect referral opportunities to internal Bank partners that meet customer needs

Enhance TDBG brand by participating in 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 Business Banking Relationship Methodology (BBRM)

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

Meet or exceed business targets

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

Prepare 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

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

Expert level professional role primarily accountable for origination of new business and relationship management of existing customers 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 expert level credit acumen

Identifies referral opportunities across business lines and segments

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

Works independently with minimal management guidance and supervision

Executes and may support others in complex account management processes – structures sophisticated 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 to assist senior management with strategic direction for the business unit

Generally, reports to the Senior Manager Commercial Services

EXPERIENCE & EDUCATION

Undergraduate/Graduate degree and/or

7+ years of relevant experience

Who We Are

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. 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 experienc