Relationship Banker II - Cranford

TD Bank • Cranford, NJ

1d • Onsite

About The Position

The Relationship Banker II is a banking professional who builds and sustains client relationships by delivering personalized banking solutions aligned with clients’ long-term financial goals. The role acquires new clients and deepens existing relationships through consultative engagement, needs-based guidance, banking and product knowledge, and disciplined execution while upholding risk and regulatory standards. Working in a bank location, the banker handles walk-in, appointment, and outbound client interactions, identifies opportunities to strengthen relationships, and follows through on client commitments and referrals. The role provides guidance across a broader range of products and services, including mortgage-related inquiries and referrals, and manages more complex client scenarios through holistic recommendations and partner collaboration. The banker also safeguards client and bank interests through accurate documentation, identity verification, compliance with policies and regulations, and appropriate escalation of risks. The position serves as a team leader in monitoring workflow, prioritizing tasks, and delegating responsibilities, while contributing to team performance and a positive work environment.

Requirements

• High school diploma or GED, or 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.
• Demonstrated 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.
• 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 Regulation Z standards.
• Must be eligible for registration as a registered mortgage loan originator with the NMLS under the SAFE Act.
• Satisfactory criminal background check and credit report check, and required statements or certification regarding administrative, civil, and/or criminal findings by a government agency or authority.
• Ability to perform the physical and cognitive activities listed for the role, including continuous sedentary work, multitasking, use of standard office equipment, concentration, reading, writing, comprehension, and basic arithmetic.

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 leads management, outbound efforts, and client engagement at a bank location.
• Identify opportunities to acquire clients, deepen existing relationships, improve client outcomes, and support clients’ financial objectives.
• Lead purposeful, goals-based discovery through active listening and advanced questioning to uncover expressed and unexpressed client needs.
• Use TD systems and tools to identify suitable solutions and next actions, accurately capture information, and follow through on client commitments and partner hand-offs.
• Provide clear, tailored guidance on products and services, explaining options, benefits, and risks to support informed client decisions.
• Manage complex client scenarios and provide needs-based recommendations reflecting clients’ broader goals and financial position; collaborate with partners and execute referrals effectively.
• Act as a client advocate through ongoing engagement, personalized guidance, proactive outreach, and continuity across TD’s network of expertise.
• Engage clients on mortgage products, accept mortgage inquiries, and refer clients for mortgage solutions or other residential lending activities.
• Serve as the primary point of accountability for client concerns, resolving issues where possible and escalating them promptly when needed.
• Apply sound judgment to balance client needs with risk and compliance requirements, protect client and bank interests, and ensure accurate documentation.
• Verify client identification, maintain data integrity, follow authentication and documentation standards, and comply with AML laws and regulatory requirements.
• Identify discrepancies, material changes, and risk indicators and escalate them in accordance with policy and procedure.
• Act in accordance with TD’s code of conduct and ethical standards and complete required training.
• Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
• Contribute to a positive team environment, collaborate with colleagues and partners, share insights and best practices, and participate in performance and development activities.

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 programs
• Training and onboarding
• Online learning platform and mentoring programs
• Variable compensation or incentive awards, including potential eligibility for cash and/or equity awards

What This Job Offers

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