Account Manager II, Agricultural Services (Elmira)

Job Overview Account Manager II – Business Banking. The role is accountable for delivering a superior customer experience while driving profitable business growth in line with business strategy.
Responsibilities Conduct credit analysis for own portfolio.
Develop initial creation of a shadow portfolio of target businesses commensurate with the market and existing portfolio.
Work closely with internal and external subject matter experts and lending advisory groups.
Deliver exceptional customer service at every interaction and execute plans to continuously improve the customer experience.
Lead all aspects of account management, credit and operational risk for an assigned portfolio.
Use sales platforms to build an understanding of customers, target needs, industries and markets.
Continuously 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.
Develop and implement sales strategies to proactively attract, acquire and retain customers and business development opportunities, increasing profitability and enabling business growth in line with risk profile.
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 and negotiate to maximize profitability of relationships based on the customer risk profile.
Prepare credit applications with high-quality 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.
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 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.
Qualifications Undergraduate or Graduate degree and/or 5+ years of relevant experience and/or Associate Program.
Experienced working professional accountable for origination of new business and relationship management of existing customers in the Commercial Business segment.
Manages a portfolio in line with the business sales model characterized by moderate cash management, deposit and credit complexity requirements.
Interprets and analyzes customer financial statements with credit acumen.
Identifies referral opportunities across business lines and segments.
Possesses solid knowledge of products, sales services, credit management practices and processes, methods and operating standards to drive business performance.
Solves problems of moderate complexity and recommends current product and service solutions.
Work performed under moderate guidance and supervision from management.
Builds stakeholder alignment in providing solutions; conveys deep product or segment context in providing advice to customers and stakeholders.
Generally reports to the Senior Manager Commercial Services.
Benefits Base salary and variable compensation.
Health and well-being benefits, savings and retirement programs, paid time off.
Banking benefits and discounts.
Career development and reward and recognition programs.
Legal and Employment Information This job opportunity is subject to provincial regulation for employment purposes. Each province or territory within the jurisdiction of Canada may have its own set of regulations and requirements.

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