Relationship Banker I - Cranford (40 hour)

TD • Cranford, NJ

1d • $24 - $33 • Onsite

About The Position

The Relationship Banker I is a banking professional who delivers TD’s relationship-driven banking experience by helping clients pursue financial goals through personalized solutions that support their overall 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 at a bank location, the banker engages walk-in clients, manages leads, and conducts outreach; discovers client needs and priorities; explains relevant products and options transparently; and recommends personalized solutions or connects clients with appropriate products, services, or partners. The role provides ongoing guidance about TD products, services, and digital capabilities, supports mortgage inquiries and referrals, and follows through to reinforce long-term client relationships.

The banker also serves as an accountable contact for client concerns, resolving issues where possible and escalating when needed. The position requires accurate documentation, sound risk judgment, compliance with operational policies and regulatory requirements, and collaboration with colleagues. It includes required training and participation in ongoing development and team activities. This position is subject to mortgage loan originator registration and eligibility requirements, as well as criminal background and credit report checks.

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.
• Ability to exercise 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 Regulation Z requirements.
• Must be eligible for registration as a mortgage loan originator with the NMLS under the SAFE Act.
• Satisfactory criminal background check and credit report check, and required applicant statements or certifications regarding government-agency findings.
• Must comply with applicable AML laws, regulatory requirements, company policies, and TD’s code of conduct and ethical standards.

Nice To Haves

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

Responsibilities

• Acquire clients at a bank location through walk-in engagement, lead management, and outbound outreach.
• Conduct goals-based discovery to identify client needs, priorities, and financial goals.
• Explain banking products and options, including features, benefits, and potential risks, in clear and transparent language.
• Deliver personalized solutions and next steps, connecting clients to appropriate products, services, or partners.
• Provide ongoing client guidance and education on TD products, services, and digital banking capabilities.
• Build and strengthen client relationships through consistent, personalized interactions and follow-up.
• Engage clients regarding mortgage products, 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 end-to-end where possible and escalating when required.
• Drive client acquisition, retention, and relationship growth by identifying opportunities to deepen relationships and improve client outcomes.
• Maintain accurate client information and documentation, apply sound risk judgment, and comply with policies, procedures, and regulatory requirements.
• Verify client identification and follow authentication and documentation standards; maintain data integrity and comply with AML requirements.
• Identify discrepancies, material changes, or risk indicators and escalate them appropriately.
• Complete required training and continuously strengthen risk and compliance knowledge.
• Share insights, lessons learned, and best practices, collaborate with team members and partners, and contribute to a positive work environment.
• Participate in performance and development activities and model curiosity, inclusion, and respect for different perspectives.

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
• Reward and recognition
• Base salary and variable compensation or incentive awards, with eligibility for cash and/or equity incentive awards generally through participation in an incentive plan
• Online learning platform and mentoring programs
• Training and onboarding

What This Job Offers

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