JOB DESCRIPTION:
The Business Banker III services the needs of large/complex business portfolios, customizing a broad range of products and services to meet the financial needs of TD’s customers. This role acquires, develops and manages commercial banking relationships by providing customized solutions across different commercial segments to build a strategy that is right for the customer now, and in the future with a focus on growing the portfolio by providing financial solutions and developing new business from both existing and new customers.
The role is a trusted advisor who, with sensitivity to the customer’s operating environment, structures and packages practical and competitive solutions that demonstrate an understanding of their financing, cash management and overall business needs to add value to the customer’s portfolio.
EDUCATION & EXPERIENCE:
- 4+ year degree or equivalent experience
- In-depth understanding of commercial industry, business development techniques and credit decisions
- Proven business development track record, with proven ability to conceptualize and implement effective new business strategies
- Extensive network of outside referral sources for new business
- Excellent credit and financial analysis skills
- Effective negotiation skills
SHAREHOLDER ACCOUNTABILITIES:
- Develops/implements sales strategies to proactively attract, acquire and retain customers / sales opportunities and referrals, to increase profitability and enable business growth
- Plans and executes business development activities, review and communicate results, and adjust tactics accordingly
- Promotes and offers full suite of products, sales, services and banking capabilities
- Assesses credit requests to determine risk and make appropriate recommendations for structuring credit deals
- Contributes to credit applications with a high quality of risk assessment, credit structure, due diligence, and credit presentation
- Contributes to business objectives for Operational Excellence
- Supports the timely and accurate completion of business processes and procedures
- Protects the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
- Ensures documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations
- Identifies, suggests and actively participates in process improvement opportunities
- Actively manages relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
- Participates in cross-functional / enterprise initiatives as a subject matter expert helping to provide guidance for complex situations
- Ensures necessary due diligence to support the accuracy of all customer transactions / activities
- Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
- Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
- Assumes responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
EMPLOYEE/TEAM ACCOUNTABILITIES:
- Participates 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/ points of interest
- Provides 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
- Keeps current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
- Participates in personal performance management and development activities, including cross training within own team
- Keeps 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
- Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
- Leads, motivates and develops relationships with internal and external business partners / stakeholders to develop productive working relationships.
- Contributes to a fair, positive and equitable environment that supports a diverse workforce
- Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally
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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.
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