Relationship Banker II - Rahway (40 hour)

TD Bank•Rahway, NJ

4d•Onsite

About The Position

The Relationship Banker II is a banking professional who delivers TD’s relationship-driven banking experience by building 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. Based in a bank location, the banker manages leads and conducts proactive outreach, engaging clients through walk-in visits, appointments, and outbound opportunities. They uncover expressed and unexpressed needs, provide tailored guidance across a broader range of products and services, and handle more complex client scenarios with an understanding of clients’ goals and financial positions. The role also engages clients on mortgage products and residential lending inquiries, making referrals where appropriate. The banker serves as an advocate and primary point of accountability for client concerns, ensuring continuity, follow-through, appropriate referrals, and timely escalation. The role also supports team workflow and contributes to a collaborative, inclusive team environment. It requires accurate documentation, sound judgment, adherence to AML and other regulatory requirements, and eligibility to register as a mortgage loan originator with the NMLS.

Requirements

High School Diploma or GED, or an equivalent combination of education and experience.
At least 2 years of experience engaging clients in sales, service, or relationship-building work, including identifying needs and delivering solutions.
Ability to conduct consultative client conversations, uncover 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 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 and eligible for registration as a registered mortgage loan originator under applicable requirements.
Satisfactory criminal background and credit report checks, 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 and proactive outbound efforts at a bank location.
Identify opportunities to deepen client relationships and help clients meet their financial objectives.
Engage clients across walk-in, appointment, and outbound interactions; conduct purposeful discovery using active listening and advanced questioning.
Use TD systems and tools to identify appropriate solutions and next steps, capture client information accurately, and follow through on commitments and partner hand-offs.
Apply banking and financial knowledge to provide clear, tailored guidance on products and services, including their options, benefits, and risks.
Manage complex client scenarios and coordinate with partners to execute recommendations and referrals effectively.
Anticipate client needs and build relationships through ongoing engagement, personalized guidance, and proactive outreach.
Engage clients on mortgage products, accept mortgage inquiries, and refer clients for mortgage solutions or other residential lending activities.
Resolve client concerns end-to-end where possible and escalate issues in a timely manner when required.
Maintain compliance with company policies, AML laws, regulatory requirements, authentication standards, and documentation procedures; identify and escalate discrepancies and risk indicators.
Act as a team leader by monitoring workflow, prioritizing tasks, and delegating responsibilities.
Complete required training and strengthen risk and compliance knowledge; contribute to team development by sharing insights, lessons learned, and best practices.
Collaborate with colleagues and partners, contribute to a positive and inclusive work environment, and participate in performance and development activities.