Relationship Banker I - Cranston, RI

TD Bank • Cranston, RI

1d • Onsite

About The Position

The Relationship Banker I delivers TD’s relationship-driven banking experience by partnering with clients to help them achieve financial goals and improve their financial well-being. The role acquires and deepens client relationships through consultative engagement, product knowledge, personalized solutions, and disciplined execution while adhering to risk and regulatory standards.

Working in a bank location, the banker engages clients through walk-in opportunities, lead management, and outbound outreach. They discover client needs, explain relevant options and potential risks in clear language, connect clients to appropriate products, services, or partners, and provide ongoing guidance on TD products and digital capabilities. The role also engages clients on mortgage products and residential lending inquiries, including referrals. It requires accurate documentation, strong risk awareness, and compliance with company policies and regulations.

The banker serves as a primary point of accountability for client concerns, resolves issues when possible, and escalates them as needed. They safeguard client relationships by following applicable AML and regulatory requirements, verifying identification, maintaining data integrity, and identifying and escalating risk indicators. The role also includes completing required training, sharing knowledge with teammates, and contributing to a positive and collaborative work environment.

Requirements

• High school diploma or GED, or equivalent combination of education and experience.
• At least 1 year of experience engaging with clients in a service, sales, or relationship-building environment.
• Experience educating clients about products and services in a consultative manner.
• Ability to communicate clearly and effectively with clients and colleagues.
• Ability to manage multiple tasks, prioritize work, and meet deadlines in a fast-paced environment.
• Sound judgment and problem-solving skills in client interactions.
• Basic proficiency with Microsoft Office or similar workplace technologies.
• Ability to complete required job-related training upon hire.
• Ability to obtain and maintain active registration with the Nationwide Mortgage Licensing System and Registry (NMLS), as required for the role.
• Must be eligible for employment with a covered financial institution under applicable Regulation Z standards.
• Must be eligible for registration as a mortgage loan originator with NMLS under the SAFE Act.
• Satisfactory criminal background check and credit report check, and required applicant statements or certifications regarding government agency or authority findings.

Nice To Haves

• Teller or cash-handling experience in a financial institution.
• Notary license or ability to obtain one.

Responsibilities

• Acquire new clients through walk-in opportunities, lead management, and outbound outreach.
• Conduct goals-based discovery to understand clients’ needs, priorities, and financial goals.
• Explain relevant banking options, including features, benefits, and potential risks, in clear and transparent language.
• Deliver personalized solutions and next steps by connecting clients to appropriate products, services, or partners.
• Provide ongoing guidance and educate clients about TD products, services, and digital capabilities.
• Build, retain, and deepen client relationships through consistent personalized interactions.
• Accept mortgage inquiries, refer clients for mortgage solutions, and engage in other residential lending activities.
• Resolve client concerns end-to-end when possible and ensure timely escalation when needed.
• Complete operational activities accurately and in compliance with company policies, procedures, and regulations.
• Verify client identification, maintain data integrity, and follow authentication and documentation standards related to AML and other regulatory requirements.
• Identify discrepancies, material changes, or risk indicators and escalate them appropriately.
• Complete required training and strengthen risk and compliance knowledge.
• Share insights, lessons learned, and best practices across the team; collaborate with colleagues and partners.
• Participate in performance and development activities and contribute to a positive, inclusive team environment.

Benefits

• 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, training, mentoring, and access to an online learning platform.
• Reward and recognition programs.
• Base salary and variable compensation or incentive awards, with eligibility for cash and/or equity incentive awards generally through participation in an incentive plan.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED