Relationship Banker II - Newark/Springfield (40 hour)

TD • Newark, NJ

1d • $25 - $34 • Onsite

About The Position

The Relationship Banker II is a banking professional who delivers TD’s relationship-driven banking experience by cultivating and sustaining client relationships and providing personalized banking solutions that support clients’ long-term financial goals. The role is accountable for acquiring new clients and deepening existing relationships through consultative engagement, needs-based guidance, strong product knowledge, and disciplined execution while upholding risk and regulatory standards.

Working at a bank location, the Relationship Banker II leads client conversations across walk-in, appointment, and outbound opportunities. The role conducts goals-based discovery, identifies expressed and unexpressed client needs, provides tailored guidance on a broad range of products and services, and manages complex client scenarios. It also includes mortgage-related engagement and referrals, client advocacy, and collaboration with partners to deliver effective referrals and continuity of service.

The position maintains accurate documentation and follows applicable policies, procedures, and regulatory requirements. It also contributes to team workflow and development, collaborates with colleagues and partners, and models TD’s leadership behaviors and culture.

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 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 applicable regulations.
• Satisfactory criminal background check and credit report check, and required statements or certifications concerning administrative, civil, and/or criminal findings by government agencies or authorities.
• Ability to perform the stated physical activities, including continuous sedentary work, multitasking, operating standard office equipment, responding quickly to sounds, and concentrating for long periods.

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 efforts, and identification of opportunities to meet clients’ financial objectives.
• Engage clients through walk-in, appointment, and outbound interactions; conduct purposeful, goals-based discovery using active listening and advanced questioning.
• Use TD systems and tools to identify appropriate solutions and next actions, capture client information accurately, and follow through on client commitments and partner hand-offs.
• Apply banking and financial knowledge to interpret client needs and provide clear, tailored guidance on products and services, including their options, benefits, and risks.
• Manage complex client scenarios and provide needs-based guidance that reflects 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.
• Engage clients on mortgage products, accept mortgage inquiries, refer clients for mortgage solutions, and participate in other residential lending activities.
• Provide a welcoming, personalized client experience; serve as the primary point of accountability for client concerns and resolve or escalate issues in a timely manner.
• Acquire, retain, and grow client relationships for the bank location by proactively identifying opportunities to improve client outcomes.
• Balance client needs with risk and compliance requirements, maintaining accurate client information and following policies.
• Maintain compliance in operational activities; verify client identification, maintain data integrity, and follow authentication and documentation standards, including applicable AML requirements.
• Identify discrepancies, material changes, and risk indicators, and escalate them according to policy and procedure.
• Act in accordance with TD’s code of conduct and ethical standards, using sound judgment in complex scenarios and protecting clients, colleagues, and the Bank.
• Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
• Complete required training and continuously strengthen risk and compliance knowledge.
• Contribute to a positive team environment, collaborate with colleagues and partners, and share insights, lessons learned, and best practices.
• Participate in performance and development activities, embrace diverse perspectives, and demonstrate TD Way leadership behaviors.

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

What This Job Offers

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