Relationship Banker I - Cranford (40 hour)

TD Bank • Cranford, NJ

4d • Onsite

About The Position

The Relationship Banker I is a banking professional who brings TD’s relationship-driven banking experience to life by helping clients pursue their financial goals with personalized solutions that support their financial well-being. The role acquires and deepens client relationships through consultative engagement, product knowledge, and disciplined execution while meeting risk and regulatory standards.

The banker engages clients through walk-in opportunities, lead management, and outreach; learns about their goals and priorities; explains relevant options and risks in clear language; and connects clients with suitable products, services, or partners. The role provides ongoing guidance on TD products, services, and digital capabilities, including engaging with mortgage inquiries and referring clients for residential lending solutions. It also requires accurate documentation, appropriate follow-up, sound risk awareness, and compliance with company policies and regulations.

The position serves as an accountable contact for client concerns, resolving them where possible and escalating when needed. It contributes to client acquisition, retention, and relationship growth, safeguards client and Bank interests, completes required training, shares best practices, and collaborates with colleagues and partners. The position includes required training and onboarding and opportunities for development through manager conversations, online learning, and mentoring programs.

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.
• Eligibility for employment with a covered financial institution under applicable Regulation Z standards.
• Eligibility for registration as a registered 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.
• Ability to meet the position’s physical and cognitive requirements, including continuous sedentary work, multiple-task performance, office-equipment operation, concentration, reading, writing, comprehension, and basic arithmetic.

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 opportunities, lead management, and outbound outreach.
• Conduct meaningful, goals-based discovery to understand client needs and priorities.
• Explain relevant products and options, including features, benefits, and potential risks, in 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.
• Engage clients on mortgage products, accept mortgage inquiries, and refer clients for mortgage solutions or other residential lending activities.
• Follow up with clients and reinforce relationships through consistent, personalized interactions.
• Serve as the primary point of accountability for client concerns, resolving issues where possible and escalating when required.
• Drive client acquisition, retention, and relationship growth for the bank location.
• Maintain accurate client information and documentation and follow applicable policies, procedures, and regulatory requirements.
• Verify client identification, follow authentication standards, protect data integrity, and comply with AML requirements.
• Identify potential discrepancies, material changes, or risk indicators and escalate appropriately.
• Complete required training and strengthen risk and compliance knowledge.
• Share insights, lessons learned, and best practices with the team; collaborate with colleagues and partners.
• Contribute to a positive, inclusive work environment and participate in performance and development activities.

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 programs
• Training and onboarding
• Online learning platform and mentoring programs
• Base salary and variable compensation or incentive awards, potentially including cash and/or equity awards

What This Job Offers

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