Relationship Banker II (Governors Square)

TD•Bear, DE

4d•$23 - $31•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, product knowledge, and disciplined execution while upholding risk and regulatory standards. Working in a bank location, the Relationship Banker II engages with clients across walk-in, appointment, and outbound opportunities. The role uses purposeful discovery and active listening to understand client needs, offers tailored guidance on products and services, and manages more complex client scenarios through holistic recommendations and effective collaboration with partners. It also includes engagement on mortgage products and residential lending activities, such as accepting inquiries and referring clients for mortgage solutions. The position serves as an advocate and primary point of accountability for clients, ensuring continuity, follow-through, timely issue resolution or escalation, and accurate documentation. It safeguards client relationships and the Bank by following AML, identity verification, authentication, risk, and regulatory requirements. The role also contributes to team workflow and a positive, collaborative work environment.

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.
Demonstrated ability to conduct consultative client conversations, uncover client needs, and recommend appropriate products and services.
Strong communication skills, including the 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.
Demonstrated 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 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.

Responsibilities

Cultivate and sustain long-term client relationships through lead management, outbound efforts, and proactive engagement at a bank location.
Identify opportunities to acquire new clients and deepen existing relationships in support of clients’ financial objectives.
Conduct purposeful, goals-based discovery using curiosity, active listening, and advanced questioning to uncover expressed and unexpressed client needs.
Use TD systems and tools to identify suitable solutions and next steps, accurately capture information, and follow through on client commitments and partner hand-offs.
Provide clear, tailored guidance on a broad range of products and services, explaining options, benefits, and risks to support informed client decisions.
Manage more complex client scenarios and offer recommendations based on a holistic understanding of clients’ goals and financial positions.
Collaborate with partners and execute referrals effectively, including for mortgage solutions and other residential lending activities.
Anticipate client needs and maintain relationships through ongoing engagement, personalized guidance, and proactive outreach.
Serve as the primary point of accountability for client concerns, resolving issues end-to-end when possible and escalating them promptly when needed.
Ensure continuity and follow-through across TD’s network of expertise to deliver a welcoming, personalized client experience.
Follow and reinforce policies, procedures, risk controls, AML laws, and regulatory requirements; verify client identification and maintain accurate documentation and data integrity.
Identify discrepancies, material changes, or risk indicators and escalate them according to policy and procedure.
Use sound judgment to balance client needs with risk and compliance requirements and to resolve or escalate complex issues.
Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
Complete required training and strengthen risk and compliance knowledge.
Contribute to team performance and a positive work environment by collaborating, sharing insights and best practices, participating in development activities, and embracing diverse perspectives.