Work Location: Montréal, Quebec, Canada Hours: 15 Line of Business: Personal & Commercial Banking Pay Details: $96,900 - $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. Job Description: Aperçu du service L’équipe Comptes commerciaux nationaux (CCN) assure la couverture des relations auprès des clients commerciaux d’envergure dans tous les secteurs de l’industrie, y compris des structures de crédit reposant sur l’actif et de flux de trésorerie conventionnel. Cette clientèle est définie principalement par des facilités de crédit supérieures à 25 millions de dollars, des ventes annuelles de plus de 150 millions de dollars et des opérations syndiquées et bilatérales. Le groupe est composé de professionnels expérimentés dans le domaine des services bancaires qui combinent des connaissances précises du secteur à une vaste expérience en matière de structuration des offres afin d’offrir une gamme complète de solutions personnalisées de crédit, de gestion de trésorerie et de paiement qui sauront répondre aux besoins complexes de nos clients. Description du poste Le directeur ou la directrice, Gestion de trésorerie est l’expert qui possède une solide compréhension des produits de paiement et de gestion de trésorerie, ainsi que des options de dépôt. À ce titre, vous devez vous assurer que les besoins des clients nouveaux et actuels sont repérés et que des solutions sont négociées et mises en œuvre de façon proactive. Les occasions de révision de la tarification sont rapidement repérées et traitées. Vous êtes également responsable de la croissance du portefeuille de dépôts et du nombre de produits de gestion de trésorerie utilisés. Vous travaillez en étroite collaboration avec l’équipe Gestion des relations-clients pour l’acquisition de nouveaux clients et vous vous assurez qu’ils respectent les règlements, les politiques et les procédures internes applicables. ACTIONNAIRES Accroître la contribution aux profits du portefeuille. Atteindre ou dépasser les objectifs annuels en matière de ventes, de revenus, de volumes et de nouveaux clients. Nouer de nouvelles relations et approfondir les relations existantes avec nos clients en appliquant systématiquement la méthodologie de vente commerciale. Négocier, ou aider les directeurs à trouver et à négocier les occasions de tarification des opérations courantes et des dépôts. Contribuer à l’acquisition de nouveaux clients en réalisant des appels téléphoniques de son propre chef et avec l’aide des directeurs. Préparer des propositions et faire des présentations, selon les besoins. Diriger les activités de planification des comptes et d’examen des relations afin d’établir un ordre de priorité dans la réévaluation de la tarification et les occasions de vente croisée. Soumettre des recommandations de manière active aux autres partenaires commerciaux, au sein des Services bancaires aux entreprises et de l’ensemble de la TD, et répondre efficacement aux recommandations réciproques. Comprendre les modèles/concepts de tarification et assurer l’uniformité avec les objectifs des Comptes nationaux. Promouvoir les demandes d’exception relatives aux frais pour les produits et services de dépôt et de gestion de trésorerie S’assurer que les produits et les services sont offerts et gérés de manière conforme afin de réduire au minimum les risques opérationnels et de conformité réglementaire de la TD. Suivre toutes les formations et obtenir toutes les attestations relatives à la conformité dans les délais prescrits. Limiter les risques liés au crédit et à l’exploitation; veiller à ce que les facilités de crédit soient en place pour les ententes relatives à la gestion de trésorerie. Veiller à ce que tous les documents appropriés soient en place avant la mise en œuvre des produits de dépôt et de gestion de trésorerie. Encadrer les membres de l’équipe en ce qui a trait à l’évaluation des demandes des clients pour déterminer le produit approprié et les risques acceptables. Connaître les codes de conduite de la TD et du secteur d’activité, et s’y conformer. Avoir une bonne connaissance des marchés ainsi que des secteurs du portefeuille pour garantir la prestation d’un service à valeur ajoutée tout en atténuant les risques pour la TD. CLIENTS Offrir et promouvoir un service exceptionnel à chaque interaction et mettre en œuvre des plans pour améliorer continuellement l’expérience client. Structurer et offrir des solutions créatives de dépôt et de gestion de trésorerie concurrentielles qui sauront répondre aux besoins uniques des clients. Utiliser le réseau interne afin de se bâtir une expertise spécialisée pour maximiser la satisfaction de la clientèle. Veiller à ce que les clients sachent comment utiliser efficacement leurs produits de gestion de trésorerie. Promouvoir activement la marque dans la collectivité grâce à sa participation au sein de groupes d’affaires communautaires, d’initiatives, de collectes de fonds, etc. Appuyer les partenaires internes pour les projets en cours et bien comprendre l’incidence des changements sur l’entreprise d’un client Consigner les activités liées aux appels. « Vendre la Banque » au client en suggérant et en présentant des partenaires de la TD et leurs produits. Chercher de façon proactive des occasions de répondre aux besoins changeants des clients en matière de gestion de trésorerie. ÉQUIPE Favoriser et promouvoir un milieu de travail positif qui appuie la diversité au sein de l’effectif. Participer activement au processus de gestion du rendement, notamment aux évaluations de rendement, aux séances de rétroaction et de coaching et aux discussions portant sur le rendement et le perfectionnement. Acquérir des connaissances théoriques et pratiques en lien avec ses objectifs de perfectionnement personnel. Soutenir, former et coacher l’équipe, y compris les associés attitrés, en matière de solutions de dépôt et de gestion de trésorerie pour l’aider à atteindre ses objectifs. Être une partie intégrante de l’unité en ayant un bon esprit d’équipe. Exigences du poste Formation et titres professionnels Diplôme de premier cycle dans le domaine des affaires ou expérience connexe. Titre de Certified Treasury Professional (CTP) (professionnel agréé en gestion de trésorerie), un atout. Autres compétences, aptitudes et antécédents professionnels Au moins cinq ans d’expérience en gestion de trésorerie commerciale ou en services bancaires. Au moins cinq ans d’expérience en gestion des relations-clients dans le traitement de comptes importants. Excellente connaissance des produits et services de paiement et de gestion de trésorerie de la Banque. Excellentes aptitudes en vente et en négociation. Disponibilité pour voyager au pays et possession d’un véhicule obligatoire. En raison de la nature du poste et des besoins d’affaires, une présence au bureau est requise. Bilinguisme (anglais-français), un atout. Emplacement Toronto ou Montréal Department Overview: The Commercial National Accounts (CNA) team provides dedicated relationship coverage to the larger commercial clients across all industry sectors including asset-based lending and conventional cash flow structures. This client base is primarily designated by size of credit facilities being larger than $25 million and/or annual sales being greater than $150 million and include syndicated and bi-lateral transactions. The group consists of senior banking professionals who combine specific industry knowledge and extensive deal structuring experience to offer a full suite of customized credit and cash management and payment solutions to meet the complex needs of our clients. Job Description: The DTM is the subject matter expert who possesses a strong understanding of payment and cash management products as well as deposit options. You are responsible for ensuring the needs of new and existing clients are proactively identified, negotiated and implemented. Repricing opportunities are promptly identified and addressed. The DTM is also responsible for growing their deposit portfolio and the number of cash management products utilized. The DTM works closely with the relationship management team on the acquisition of new clients and ensures they are adhering to the governing regulations, internal policies and procedures. SHAREHOLDER Grow Contribution to Profit (CTP) of the Portfolio Meet or exceed annual sales, revenue, volume & new client objectives Build new relationships and deepen existing client relationships by consistently following the Commercial Sales Methodology. Negotiate or assist Directors in identifying and negotiating deposit and current account activity pricing opportunities Contribute to the acquisition of new business by conducting calls independently and jointly with Directors. Prepare proposals and make presentations as required. Lead account planning and relationship review activities to prioritize re-pricing and cross-sell opportunities. Actively refer to other business partners both within Business Banking and across TD and respond effectively to reciprocal referrals. Understand pricing models/concepts and maintain consistency with National Accounts goals Champion exception pricing requests for deposit and cash management products and services Ensure products and services are sold and operate in a compliant manner minimizing the regulatory compliance and operational risk to the Bank. Complete all compliance training and attestations within required timelines. Minimize credit and operational risks, ensure credit facilities are in place for cash management arrangements. Ensure all appropriate documentation is in place in advance of implementation of deposit and cash management products Coach team members in assessing client requests to determine appropriate product and risk. Be knowledgeable of and comply with Bank and Industry Codes of Conduct Understand the market and the industries within the portfolio to ensure value added service is provided to clients while mitigating risk to the Bank CLIENT Deliver and promote exceptional service at every interaction and execute plans to continuously improve client experience Structure and package creative competitive deposit and cash management solutions to meet unique client needs Use internal network to continually build specialized expertise to maximize client satisfaction Ensure clients are knowledgeable and know how to use their cash management products effectively Actively promote the brand within the community through participation in community business groups, initiatives, fundraisers, etc. Support internal partners with ongoing projects and develop a clear understanding of how changes will affect a client's business Responsible for documenting calling activities “Deliver the Bank” by recommending, introducing and referring appropriate TDBG Business Partners and Products Proactively look for opportunities to meet client evolving cash management needs. TEAM Embrace and promote a positive environment that supports a diverse workplace Actively participate in the performance management process including performance reviews, feedback and coaching sessions as well as performance and development discussions Seek knowledge both formal and informal in line with personal development objectives Support, train and coach the team including any assigned Associates in deposits and cash management solutions to assist them in meeting their objectives Be an integral part of the Unit team by being an effective team player Job Requirements: Education/Accreditation Undergraduate business degree or related work experience Certified Treasury Professional (CTP) designation would be an asset. Other Qualifications/Skills/Experience 5+ years Commercial Cash Management or banking experience 5+ years in Relationship Management experience in dealing with large accounts Excellent knowledge of Bank's payments and cash management products and services Effective selling and negotiation skills Ability to travel domestically Due to the nature of the role and business needs there is a requirement for an in-office presence 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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements. 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. Accommodation Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. We look forward to hearing from you! Language Requirement (Quebec only): Maîtrise d’une langue autre que le français pour offrir du soutien ou traiter avec des employés qui ont besoin de services et de soutien dans une langue autre que le français. US Labor & Employment Posters | California Privacy | Accessibility | FAQ Our Values At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. 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