Relationship Banker I - Providence, RI

TD Bank • Providence, RI

11d • 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 and improve their financial well-being. The role acquires and deepens client relationships through consultative engagement, product knowledge, and disciplined execution while adhering to risk and regulatory standards.

Based in a bank location, the banker engages clients through walk-in opportunities, lead management, and outbound outreach. The role involves discovering client needs, explaining relevant banking options and their features, benefits, and potential risks, and connecting clients to appropriate products, services, or partners. The banker provides ongoing guidance on TD products, services, and digital capabilities, follows up on agreed next steps, and supports clients’ long-term financial progress. The role also accepts mortgage inquiries and refers clients for mortgage solutions or other residential lending activities.

The position is accountable for a welcoming, personalized client experience, resolving concerns or escalating them when necessary, and supporting client acquisition, retention, and relationship growth. It requires accurate documentation, sound judgment, compliance with applicable policies and regulations, and collaboration with colleagues and partners. The role is classified as a loan originator and mortgage loan originator under applicable federal regulations, and requires eligibility for employment with a covered financial institution and for NMLS registration.

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.
• 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 and for registration as a registered mortgage loan originator under applicable requirements.
• Satisfactory criminal background check and credit report check, along with required applicant statements or certifications regarding government agency or authority findings.

Nice To Haves

• Teller or cash-handling experience in a financial institution.
• Experience educating clients about products and services in a consultative manner.
• Notary license, or ability to obtain one.

Responsibilities

• Acquire and deepen client relationships through walk-in opportunities, lead management, and outbound outreach.
• Conduct meaningful, goals-based discovery to understand clients’ needs, priorities, and financial goals.
• Explain relevant product and service 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 on TD products, services, and digital capabilities to support everyday banking and financial wellness.
• Establish follow-up and reinforce client relationships through consistent, personalized interactions.
• Accept mortgage inquiries and refer clients for mortgage solutions or other residential lending activities.
• Serve as the primary point of accountability for client concerns, resolving issues where possible and escalating them in a timely manner.
• Identify opportunities to improve client outcomes and grow client acquisition, retention, and relationships at the bank location.
• Maintain accurate client information and documentation, verify client identification, follow authentication standards, and comply with AML, risk, and regulatory 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, collaborate with colleagues and partners, and contribute to a positive work environment.
• Participate in performance and development activities and take accountability for outcomes.

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, and mentoring programs.
• Reward and recognition programs.
• Variable compensation or incentive awards may be available, including eligibility for cash and/or equity incentive awards.

What This Job Offers

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