Work Location:
Canada
Hours:
37.5
Line of Business:
TD Wealth
Pay Details:
We’re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.
Job Description:
This role is responsible for managing first level relationships with a focus on the development of skills related to relationship management of HNW clients and performing administrative and support duties as required.
CUSTOMER
Understand the Private Wealth Management (PWM) businesses and how Private Banking acts as a key partner within it. Specifically:
Types of HNW clients, the nature of their relationships with PWM and their specific needs;
Banking products, processes, systems and operations
HNW Credit solutions
Wealth Management solutions
Key Partnerships within PWM and other TD businesses like Retail and Commercial Banking
Proactively, in consultation with Market Manager and/or SPB, recommend and implement banking products and solutions (credit & cash management) within the PB relationship management model and delegated authority limit
Develop Financial Planning ethic through engagement in client interactions jointly with SPB
Identify opportunities to refer to Wealth, Commercial and other parts of TDBG to increase TD’s share of wallet
Maintain up-to-date knowledge and understanding of PB, TDBG policies and procedures, industry trends and protect the interests and reputation of TDBG and its clients by continuous compliance to them
Represent Private Wealth Management and TDBG to the general public in a professional manner
Under the direction of the Market Manager (MM), and with support from the Senior Private Bankers (SPB), develop their Private Banking and Credit product and solution knowledge in order to provide a TD branded legendary client experience.
Work closely with key partners in Private Wealth Management, HNW Direct Investing and the broader TD organization to provide clients with integrated HNW solutions.
SHAREHOLDER
Develop high touch relationship management skills and provide excellent client experience
Complete financial transactions of increasing complexity (deposit, credit and Banking transactions).
Analyse credit requests and underwriting by ensuring adjudication in accordance with assigned discretionary limits and established guidelines.
Maximize business opportunities and profitability by consistently applying Private Banking fees and pricing.
Ensure adherence to operating standards and processes – perform quality checks and validation of work
Prioritize and manage own workload to meet SLA requirements for service and productivity
Consistently exercise discretion in managing correspondence, information and all matters of confidentiality; escalate issues where appropriate
Contribute to the achievement of business objectives by proactively attracting, acquiring and retaining customers / sales opportunities and referrals, to increase profitability and enable business growth
Promote and offer full suite of products, sales, services and banking capabilities
Contribute to business objectives for Operational Excellence
Support the timely and accurate completion of business processes and procedures
Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
Ensure documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations
Ensure necessary due diligence to support the accuracy of all customer transactions / activities
Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
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/ points of interest
Support the team by continuously enhancing knowledge / 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
Contribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.
Contribute to a fair, positive and equitable environment that supports a diverse workforce
Act as a brand champion for your business area/function and the bank, both internally and/or externally
BREADTH & DEPTH:
Acts as a product/services knowledge resource for colleagues in their own area of specialty
Requires advanced understanding of a range of product and services, processes, procedures and systems to provide customers with options and advice on complex transactions and product features
Required advanced understanding of concepts within their own area of specialty and integration points with related areas
Advanced knowledge of business drivers, and customers to coordinate with other related areas to improve efficiency and deliver results
Conduct analysis of credit and ability to underwrite credit
General knowledge across Wealth products and solutions with an understanding of all credit, cash management, investments and specifically credit.
Knowledge of or the ability to quickly learn banking and risk, operations and related procedures.
Build and maintain ongoing positive relationships with clients.
Analyse client information and making the appropriate recommendation based on needs.
Develop financial planning knowledge and recommendations with banking solutions implementation in mind
Works collaboratively with Partners in Private Wealth, Wealth and TD
Conscientious with a proven passion for creating excellent client experience at every opportunity
EXPERIENCE AND / OR EDUCATION
Undergraduate Degree
Completion of the Canadian Securities Course (CSC) or Investment Funds in Canada (IFIC)
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 deliver legendary customer experiences to 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 the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.
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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
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 les clients qui ont besoin de services et de soutien dans une langue autre que le français.
