Account Manager II Job Brampton area,Ontario Canada,Business

Description

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 II is responsible for conducting credit analysis for own portfolio. The Account Manager II will develop the initial creation of 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

Actively use sales platforms to build an understanding of our customers/target needs, industries and markets

Constantly build knowledge of the market, customers and broader economic factors

Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities

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

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 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…


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