Associate Director, TDIP

Work Location: Toronto, Ontario, Canada

Hours: 37.5

Line of Business: Credit Management

Pay Details: $91,200 - $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.

TD Innovation Partners (TDIP)

TD Innovation Partners (TDIP) is a new full-service technology banking team providing bespoke, high-touch banking and financial services to address the unique challenges, opportunities and needs of technology entrepreneurs from ideation to IPO and beyond. This includes banking and lending products, principal investments and private banking solutions.

The team collaborates with the most innovative technology and venture-backed companies across Canada from the earliest stage to those that later stage and publicly traded, leveraging their industry knowledge and extensive deal structuring experience to offer a full suite of customized credit and cash management solutions to meet the complex needs of our clients.

This is an exciting opportunity within the CNA group focusing specifically on the innovation ecosystem. You'll mentor with a team of experts responsible for providing financial solutions for clients with complex and diverse credit requirements.

CUSTOMER

• Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
• Lead all aspects of relationship management 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 deep 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.
• Contribute to 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.
• 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 customer business and relationship management 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 deep 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 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 autonomously as the 'lead' and coaches and guides members within area of expertise
• Executes and may support others in complex account management processes – structures customized 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 that helps senior management with strategic direction for the business unit

• EXPERIENCE & EDUCATION
• Undergraduate/Graduate degree and/or
• 7+ years of relevant experience