Account Manager II

Work Location: Worcester, Massachusetts, United States of America Hours: 40 Pay Details: $91,000 - $136,240 USD 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. Line of Business: Personal & Commercial Banking Job Description The Account Manager II is an internal sales role responsible for growing profit of the portfolio by deepening existing customer relationships. This job will maximize profitability, revenue and retention of existing relationships by cross selling the full range of products and services. The Account Manager is the primary contact for a portfolio of relationships, and the secondary client contact for relationships managed by the Relationship Manager. Depth & Scope: Administers and monitors large portfolio of varied complexity; Manages loan relationships within the portfolio Build revenue to exceed growth goals for the portfolio through cross selling products to existing clients, and building a referral base of new clientele Ensures accuracy within maintenance of Customer records, including credit administration, exception and risk management, and files and updates information as needed. Prepares in-depth management reports summarizing portfolio activity Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded Provides comments in Customer credit files to ensure information remains current Will perform regular site visits to audit accounts and ensure adherence to loan agreements and terms; occasionally accompanies Relationship Managers during sales calls to assist with account details and implementation Provides technical guidance and assists staff with some complex aspects of work as necessary May provide training and mentoring for new and less experienced staff Contributes and provides input to loan decision processes based on evaluation of credit risk and other key factors from Credit Management Coordinates with operations and processing areas to ensure loan payments are collected and recorded Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process. Depth & Scope Administers and monitors large portfolio of varied complexity; Manages loan relationships within the portfolio Build revenue to exceed growth goals for the portfolio through cross selling products to existing clients, and building a referral base of new clientele Ensures accuracy within maintenance of Customer records, including credit administration, exception and risk management, and files and updates information as needed. Prepares in-depth management reports summarizing portfolio activity Administers existing loans to ensure complete conformity with terms and adequacy of documentation, including preparation of review memos; coordinates with operations and processing areas to ensure loan payments are collected and recorded Provides comments in Customer credit files to ensure information remains current Will perform regular site visits to audit accounts and ensure adherence to loan agreements and terms; occasionally accompanies Relationship Managers during sales calls to assist with account details and implementation Provides technical guidance and assists staff with some complex aspects of work as necessary May provide training and mentoring for new and less experienced staff Contributes and provides input to loan decision processes based on evaluation of credit risk and other key factors from Credit Management Coordinates with operations and processing areas to ensure loan payments are collected and recorded Utilizes limited personal credit authority under the direction of the Relationship Manager, for the benefit of Customers and efficiency of the lending process. Education & Experience 4 year degree or equivalent experience 3-5 years related experience In-depth understanding of commercial credit decision process. Demonstrated credit, financial analysis and accounting skills. In-depth knowledge of commercial legal and regulatory guidelines. Proven Customer service and relationship management skills, including demonstrated track record of building and expanding Customer relationships. Demonstrated attention to detail. Supervisory skills Demonstrated communication skills, both verbal and written Physical Requirements Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous 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 strive to make every interaction, product, and experience remarkably human and refreshingly simple for 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 foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. 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In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture. Our Commitment to Diversity, Equity, and Inclusion At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve. Helping to Make an Impact in Communities – TD Ready Commitment TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific #J-18808-Ljbffr