Relationship Banker I - Union/Chestnut (40 hour)

TD Bank • Union, NJ

3d • Onsite

About The Position

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

Working at a bank location, the Relationship Banker engages clients through walk-in opportunities, lead management, and outbound outreach. The role conducts goals-based discovery, explains relevant options and potential risks in clear language, provides personalized solutions and next steps, and offers ongoing guidance on TD products, services, and digital capabilities. The position also handles mortgage inquiries and referrals or other residential lending activities.

The role is accountable for a welcoming, personalized client experience, resolving client concerns or escalating them as appropriate, and supporting acquisition, retention, and relationship growth. It also requires accurate documentation, sound risk awareness, compliance with applicable policies and regulations, and collaboration with colleagues and partners. This position is classified as a loan originator and mortgage loan originator under applicable federal requirements and requires eligibility for employment with a covered financial institution and for NMLS registration. Satisfactory criminal background and credit report checks, and required applicant statements or certifications, are required by federal law.

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.
• 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 registered mortgage loan originator with the NMLS under the SAFE Act and applicable regulations.
• Satisfactory criminal background and credit report checks, and required statements or certifications regarding administrative, civil, or criminal findings by a government agency or authority.
• Ability to meet the physical requirements listed, including continuous sedentary work, multitasking, operating standard office equipment, responding to sounds, sustained concentration, and reading, writing, and comprehending instructions.

Nice To Haves

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

Responsibilities

• Acquire and deepen client relationships through walk-in engagement, lead management, and outbound outreach.
• Conduct meaningful, goals-based discovery to identify client needs, priorities, and financial goals.
• Explain relevant products and options, including features, benefits, and potential risks, using clear and transparent language.
• Recommend personalized solutions and next steps, connecting clients with appropriate products, services, or partners.
• Provide ongoing guidance and educate clients about TD products, services, and digital banking capabilities.
• Establish clear next steps and follow up to support clients’ long-term financial progress.
• Accept mortgage inquiries, refer clients for mortgage solutions, and engage in other residential lending activities as applicable.
• Deliver a welcoming, personalized client experience and serve as the primary point of accountability for client concerns, resolving issues where possible and escalating when needed.
• Identify opportunities to deepen relationships, improve client outcomes, and support client acquisition and retention at the bank location.
• Apply sound judgment to balance client needs with risk and compliance requirements, accurately capture client information, and follow policies.
• Verify client identification, maintain data integrity, and follow authentication and documentation standards in compliance with AML and other regulatory requirements.
• Identify discrepancies, material changes, or risk indicators and escalate them in accordance with policy and procedure.
• Complete operational activities and required training in line with company guidelines, regulations, and risk requirements.
• Share insights, lessons learned, and best practices; collaborate with colleagues and partners; and contribute to a positive, inclusive team environment.
• Participate in performance and development activities and take accountability for outcomes and performance.

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 programs, 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