Relationship Banker II - Fanwood (40 hour)

TD•Fanwood, NJ

1d•$25 - $34•Onsite

About The Position

The Relationship Banker II cultivates and sustains client relationships by providing personalized banking solutions that support clients’ long-term financial goals. The role acquires new clients and deepens existing relationships through consultative engagement, needs-based guidance, product knowledge, and disciplined execution, while meeting TD’s risk and regulatory standards. It is based in a bank location and involves engaging clients through walk-ins, appointments, and outbound outreach. The banker provides guidance across a broader range of products and services, handles more complex client scenarios, collaborates with partners, and supports mortgage inquiries and referrals. The role also serves as a client advocate, follows through on commitments, safeguards client information, and reinforces compliance and risk controls. The position contributes to team workflow and development by monitoring and prioritizing tasks, delegating responsibilities, completing training, sharing best practices, and collaborating with colleagues and partners. It is classified as a loan originator and mortgage loan originator role under the cited federal regulations. Eligibility for employment with a covered financial institution and registration as a mortgage loan originator with NMLS are required, along with satisfactory criminal background and credit checks and required applicant statements or certifications.

Requirements

High school diploma or GED, or equivalent combination of education and experience.
At least 2 years of experience engaging clients in a sales, service, or relationship-building capacity, including identifying needs and delivering solutions.
Ability to conduct consultative client conversations, uncover needs, and recommend appropriate products and services.
Strong communication skills and ability to convey information clearly, concisely, and confidently to diverse client populations.
Ability to manage multiple priorities, organize work independently, and consistently meet deadlines in a fast-paced environment.
Sound judgment and problem-solving skills in client-facing and operational situations.
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 NMLS under the SAFE Act and implementing regulations.
Satisfactory criminal background check and credit report check, and required statements or certifications regarding government agency or authority findings.

Nice To Haves

Prior experience in a banking environment, including teller, platform, or relationship banking roles.
Notary license, or ability to obtain one.

Responsibilities

Cultivate and sustain long-term client relationships through lead management, outbound outreach, and identifying opportunities to deepen relationships.
Engage clients across walk-in, appointment, and outbound interactions; conduct purposeful, goals-based discovery and identify expressed and unexpressed needs.
Use TD systems and tools to capture client information, identify appropriate solutions and next steps, and follow through on client commitments and partner hand-offs.
Provide clear, tailored guidance on banking products and services, explaining options, benefits, and risks to support informed decisions.
Manage complex client scenarios and provide needs-based recommendations reflecting clients’ goals and financial positions; collaborate with partners and execute referrals effectively.
Anticipate client needs and build relationships through ongoing engagement, personalized guidance, and proactive outreach.
Accept mortgage inquiries and refer clients for mortgage solutions or other residential lending activities.
Ensure continuity of the client experience and connect clients to TD’s broader network of expertise.
Follow and reinforce policies, procedures, and regulatory requirements; maintain accurate documentation and protect clients and the Bank.
Provide a welcoming, personalized client experience and serve as the primary point of accountability for client concerns, resolving issues or escalating them in a timely manner.
Drive client acquisition, retention, and relationship growth for the bank location.
Balance client needs with risk and compliance requirements and accurately capture client information.
Verify client identification, maintain data integrity, and follow authentication, documentation, anti-money-laundering, and other regulatory standards.
Identify discrepancies, material changes, or risk indicators and escalate them appropriately.
Act ethically and in accordance with TD’s code of conduct; exercise sound judgment in complex scenarios.
Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
Complete required training, strengthen risk and compliance knowledge, and participate in performance and development activities.
Contribute to a positive, inclusive team environment; collaborate with colleagues and partners and share insights, lessons learned, and best practices.

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
Variable compensation or incentive awards, with eligibility for cash and/or equity incentive awards generally through participation in an incentive plan
Regular career, development, and performance conversations
Online learning platform
Mentoring programs
Training and onboarding sessions