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Senior Manager, Commercial Services

Montreal, QC
Full Time
Company Overview

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Department Overview
The Manager Commercial Services (MCS) is responsible for credit and operational risk as well as the Unit's sales growth. The position reports to the Unit Leader and interfaces with Commercial Credit Risk Management on a frequent basis. The position is accountable for achieving The Quest in addition to delivering a superior customer experience while driving profitable business growth.

Job Description
Assist in executing business plan, goal setting, growth strategies and coaching for the Unit
Grow Contribution to Profit (CTP) of the Unit's Portfolio
Meet or exceed annual sales, revenue, volume & new customer objectives for the Unit
Build new relationships and deepen existing customer relationships by consistently following the Commercial Sales methodology - Coach Team to consistently follow the Commercial Sales methodology.
Effectively use CARMA Sales and CARMA Credit - lead by example
Assist in providing coverage and growing your team's shadow portfolio and document activity in CARMA.
Actively refer to other business partners both within Business Banking and across TDBFG and respond effectively to reciprocal referrals
Be the expert on pricing models and execute consistently with Business Banking goals
Coach Commercial Banking team in meeting business development targets by recommending alternatives in structure or pricing to meet the needs of customers and to adhere to TD's risk management policies and credit appetite
Negotiate to maximize profitability of relationships with new and existing customers based on the customer risk profile ensuring appropriate credit RAROC is earned at all times
Cross-sell the full range of products to existing and new customers, as applicable, to maximize revenue/profit and retention of relationships based on the risk profile of the customer

Ensure that all staff are knowledgeable of and operate within the applicable regulatory and compliance guidelines/policies & procedures (including but not limited to: AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc) and ensure that all staff complete required compliance attestations/training within required timelines
Assess all credit applications, ensuring they provide a high quality of risk assessment, credit structure, due diligence, and credit presentation
Ensure appropriate balance between customer risk and pricing
Approve credits within delegated limits and make recommendations on all others
Ensure the overall portfolio is comprehensively monitored and controlled, adhering to and administered within approved guidelines and in line with established operating policies and procedures
Interpret and apply TD's risk management strategy (both credit and operational
Implement and operate systems to identify and mitigate operational risk issues, including acting as the Unit's designated anti-money laundering officer
Follow and ensure staff are knowledgeable of and comply with Bank and Industry Codes of Conduct
Understand changing market conditions and remain knowledgeable of relevant industry issues.
Accountability to the Customer
Be actively involved in ensuring the unit meets or exceeds its CEI target. Deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience.
Resolve customer & credit issues to deliver a positive customer experience
Champion use CARMA Credit and Sales to build a robust understanding of our customers/targets needs, industries and markets.
Enhance TDBFG brand by participating at network events in your community - be the face of the bank
Coach Account Managers and Associates in developing creative credit solutions that add value for our customers
"Deliver the Bank" by recommending, introducing and referring appropriate TDBFG Business Partners and Products
Act as a consultant to the team in resolving customer credit issues
Accountability to the Team
Embrace and promote a positive work environment that supports a diverse workforce and a positive employee experience using available tools and support (i.e./ TD Pulse, Performance Management Process, Professional Development Plan)
Lead and develop a highly effective and respected team of Business Banking professionals by recruiting, training and providing coaching and guidance on career/professional development and conducting on-going feedback and performance assessments to support the Bank's focus on building talent for the future
Demonstrate leadership as per the TDBFG Guiding Principles and the Leadership Profile



At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.
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