Relationship Banker I - Watertown, CT

TD Bank•Watertown, CT

3d•Onsite

About The Position

The Relationship Banker I is a banking professional who brings TD’s relationship-driven banking experience to life by partnering with clients to help them achieve financial goals through personalized solutions. The role focuses on acquiring and deepening client relationships through consultative engagement, product knowledge, and disciplined execution, while following risk and regulatory standards. The banker engages clients through walk-in opportunities, lead management, and outbound outreach; conducts goals-based discovery; explains banking options, features, benefits, and risks; and connects clients with relevant products, services, and partners. The role also provides ongoing client guidance on TD products, services, and digital capabilities, supports mortgage-related inquiries and referrals, and ensures accurate documentation and compliance. The position includes continuous training and collaboration with colleagues and partners. It requires registration eligibility as a mortgage loan originator and satisfactory criminal background and credit checks. The physical requirements include continuous sedentary work, multitasking, use of standard office equipment, and concentration, with frequent sitting and standing and occasional walking, travel, lifting, and other movements.

Requirements

High school diploma or GED, or an 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 on products and services in a consultative manner.
Clear and effective communication skills 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.
Eligibility for employment with a covered financial institution under applicable Regulation Z standards.
Eligibility for registration as a registered mortgage loan originator with the NMLS under the SAFE Act.
Satisfactory criminal background and credit report checks, 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 meaningful, goals-based client discovery to understand needs and priorities.
Explain relevant product and service options, including features, benefits, and potential risks, in clear language.
Provide personalized solutions and next steps, connecting clients with suitable products, services, and partners.
Establish follow-up and reinforce client relationships to support long-term financial progress.
Educate clients about TD products, services, and digital capabilities to support everyday banking and financial wellness.
Accept mortgage inquiries, refer clients for mortgage solutions, and participate in other residential lending activities as applicable.
Resolve client concerns end-to-end when possible and escalate issues in a timely manner when needed.
Promote client acquisition, retention, and relationship growth by identifying opportunities to deepen relationships and improve outcomes.
Maintain accurate client information and documentation, follow operational policies and regulatory requirements, and manage risk.
Verify client identification, follow authentication standards, safeguard data integrity, and comply with AML requirements.
Identify discrepancies, material changes, or risk indicators and escalate them according to policy and procedure.
Complete required training and strengthen risk and compliance knowledge.
Share insights, lessons learned, and best practices with the team, and collaborate to support team and organizational success.
Participate in performance and development activities and contribute to a positive, inclusive work environment.