Relationship Banker II - Kean (40 hour) Preferred Bilingual/Spanish

TD Bank•Union, NJ

5d•Onsite

About The Position

The Relationship Banker II is a banking professional who delivers TD’s relationship-driven banking experience by building and maintaining client relationships and providing personalized banking solutions aligned with clients’ long-term financial goals. The role is responsible for acquiring new clients and deepening existing relationships through consultative engagement, needs-based guidance, product knowledge, and disciplined execution while meeting risk and regulatory standards. Working at a bank location, the banker leads client engagement across walk-in, appointment, and outbound opportunities. The role involves discovering expressed and unexpressed needs, providing tailored guidance on products and services, handling complex client scenarios, coordinating referrals and partner hand-offs, and proactively following up with clients. The banker also engages clients about mortgage products and residential lending referrals, and supports continuity of service across TD’s network. The role applies policies, procedures, and regulatory requirements to protect clients and the Bank, maintain accurate records, identify and escalate risk indicators, and comply with AML and mortgage-loan-originator requirements. It also contributes to team workflow and development, supports a positive and inclusive work environment, and participates in required training and performance activities.

Requirements

High school diploma or GED, or an 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 the 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 scenarios.
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 mortgage loan originator with NMLS under the SAFE Act and applicable regulations.
Satisfactory criminal background check and credit report check, and required applicant statements or certifications regarding administrative, civil, or criminal findings by government agencies or authorities.

Nice To Haves

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

Responsibilities

Cultivate and sustain long-term client relationships through lead management, outbound efforts, and client engagement at a bank location.
Identify opportunities to acquire clients and deepen existing relationships in support of clients’ financial goals.
Conduct purposeful, goals-based discovery using active listening and advanced questioning to uncover client needs.
Use TD systems and tools to identify appropriate solutions and next steps, accurately capture information, and follow through on client commitments and partner hand-offs.
Engage clients through walk-in, appointment, and outbound opportunities, establishing credibility and building relationships.
Provide clear, tailored guidance on banking products and services, including options, benefits, and risks, to support informed decisions.
Manage more complex client scenarios and collaborate with partners to execute recommendations and referrals effectively.
Anticipate client needs and build relationships through ongoing engagement, personalized guidance, and proactive outreach.
Accept mortgage inquiries, discuss mortgage products, and refer clients for mortgage solutions or other residential lending activities.
Ensure continuity of the client experience and connect clients with TD’s broader network of expertise.
Follow and reinforce policies, procedures, and regulatory requirements; maintain accurate documentation and strong risk awareness.
Deliver a welcoming, personalized client experience and serve as the primary point of accountability for client concerns, resolving issues where possible and escalating them when necessary.
Balance client needs with risk and compliance requirements, verify client identification, maintain data integrity, and follow authentication and documentation standards.
Identify discrepancies, material changes, and risk indicators and escalate them according to policy and procedure.
Act ethically and in accordance with TD’s code of conduct, AML laws, regulatory requirements, and established standards.
Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
Complete required training and strengthen risk and compliance knowledge.
Contribute to a positive, inclusive team environment; collaborate with colleagues and partners and share insights, lessons learned, and best practices.
Participate in performance and development activities 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
Training and onboarding
Online learning platform
Mentoring programs
Variable compensation or incentive awards, potentially including cash and/or equity awards