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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates strong credit acumen and relationship management skills, with the ability to analyze financial statements and develop effective sales strategies to drive business growth. Proficient in managing portfolios while ensuring compliance with regulatory and operational risk requirements.
Highest-signal resume keywords
Credit AnalysisRelationship ManagementSales Strategy DevelopmentRegulatory ComplianceStakeholder Alignment
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AcumenFinancial Statement AnalysisPortfolio ManagementRisk AssessmentCredit StructureDue DiligenceSales TechniquesCustomer Needs AnalysisProblem SolvingCompliance Management
Soft Skills
CommunicationMentoringTeam CollaborationNetworkingCustomer Service
Tools & Technologies
Sales Platforms
Certifications & Qualifications
Undergraduate DegreeGraduate DegreeAssociate Program
Industry Keywords
Commercial BankingBusiness BankingCredit Management PracticesOperational RiskBank Code of Conduct
About the role
Key responsibilities & impact- Deliver a superior customer experience while driving profitable business growth
- Expand the portfolio and maximize the value of existing commercial business customer relationships for credit and non-credit products and services
- Conduct credit analysis for the assigned portfolio
- Create an initial shadow portfolio of target businesses
- Lead account management, credit risk and operational risk for an assigned portfolio
- Use sales platforms to understand customer and target needs, industries and markets
- Build market, customer and economic knowledge
- Identify business-environment changes and establish action plans for customer issues and priorities
- Develop centre of influence strategies and relationships
- Identify and respond to customer and prospect referral opportunities
- Participate in networking events and enhance the TD brand
- Develop and implement sales strategies to attract, acquire and retain customers and referrals
- Build new relationships and deepen existing relationships using the Business Banking Relationship Methodology
- Promote and offer the full suite of products, sales, services and banking capabilities
- Negotiate to maximize relationship profitability based on customer risk profiles
- Prepare credit applications, including risk assessment, credit structure, due diligence and credit presentation
- Monitor accounts and ensure compliance with guidelines and assigned limits
- Renew credits in a timely manner
- Refer customers to business partners within Business Banking and across TDBG
- Identify, manage and escalate risks and non-standard or high-risk transactions
- Ensure regulatory and operational risk compliance
- Support a positive team environment and communicate issues promptly
- Provide industry knowledge and participate in knowledge transfer
- Keep current on emerging trends, developments, tools and techniques
- Mentor colleagues and share best practices
- Develop productive relationships with internal and external stakeholders
- Report to the Senior Manager Commercial Services
Requirements
What you’ll need- Undergraduate/Graduate degree and/or 5+ years of relevant experience and/or Associate Program
- Experience working as a professional accountable for origination of new business and relationship management of existing commercial business customers
- Ability to manage a portfolio with moderate cash management, deposit and credit complexity requirements
- Credit acumen and ability to interpret and analyze customer financial statements
- Solid knowledge of products, sales, services, credit management practices and processes, methods and operating standards
- Ability to solve problems of moderate complexity and recommend new product and service solutions
- Ability to build stakeholder alignment and provide advice to customers and stakeholders
- Ability to meet or exceed business targets
- Ability to comply with regulatory and operational risk requirements
- Ability to comply with Bank and industry Code of Conduct
- Ability to work under moderate guidance and supervision
- Ability to participate in cross-training, knowledge transfer and performance development activities
Benefits
Comp & perks- 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
- Accommodation support during the interview process