Relationship Banker II (Middletown)

TD • Middletown, DE

1d • $23 - $31 • Onsite

About The Position

This banking professional brings TD’s relationship-driven banking experience to life by cultivating and sustaining client relationships and delivering 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 at a bank location in Middletown, Delaware, the Relationship Banker II leads client engagement across walk-in, appointment, and outbound opportunities. The role identifies client needs, provides tailored guidance on products and services, supports more complex client scenarios, and collaborates with partners to execute referrals, including mortgage-related referrals. It also serves as an advocate and primary point of accountability for client concerns, while maintaining accurate records and following policies, procedures, and regulatory requirements.

The position includes team leadership responsibilities such as monitoring workflow, prioritizing tasks, and delegating responsibilities. It requires completion of required training and the ability to obtain and maintain NMLS registration as required. The role is classified as a Loan Originator and Mortgage Loan Originator under the cited federal regulations and is subject to eligibility and background-check requirements.

The role is listed as 40 hours, with pay of $23.25–$30.75 USD. TD describes its Total Rewards package as including base salary and variable compensation or incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition. Training, onboarding, development conversations, an online learning platform, and mentoring programs are also described.

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, with 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 NMLS registration as a registered mortgage loan originator under the SAFE Act and implementing regulations.
• Satisfactory criminal background-check and credit-report results, and required applicant statements or certifications regarding administrative, civil, and criminal findings.
• Ability to meet the physical and cognitive demands listed, including continuous sedentary work, multitasking, operating standard office equipment, concentrating, reading, writing, comprehending instructions, 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 client relationships through leads management, outbound outreach, and identification of opportunities to meet clients’ financial objectives.
• Engage clients through walk-in, appointment, and outbound interactions, conducting goals-based discovery and using active listening and questioning to uncover expressed and unexpressed needs.
• Use TD systems and tools to capture client information, identify appropriate solutions and next steps, and follow through on client commitments and partner hand-offs.
• Apply banking and financial knowledge to provide clear, tailored guidance on products and services, including explaining options, benefits, and risks.
• Manage complex client scenarios with a holistic understanding of client goals and financial position, collaborate with partners, and ensure referrals are effectively executed.
• Anticipate client needs and build relationships through ongoing engagement, personalized guidance, and proactive outreach.
• Accept mortgage inquiries and refer clients for mortgage solutions or other residential lending activities.
• Promote continuity and a strong connection to TD’s broader network of expertise.
• Follow and reinforce policies, procedures, and regulatory requirements, maintaining accurate documentation and awareness of risk.
• Deliver a welcoming, personalized client experience and serve as the primary point of accountability for concerns, resolving issues where possible and escalating when required.
• Lead client acquisition, retention, and relationship growth for the bank location.
• Balance client needs with risk and compliance requirements and accurately capture client information.
• Complete operational activities in accordance with company guidelines and regulations; verify client identification, maintain data integrity, and follow authentication and documentation standards.
• Identify discrepancies, material changes, and risk indicators, and escalate them appropriately.
• Act in accordance with TD’s code of conduct and ethical standards; exercise judgment to resolve or escalate 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 sharing insights, lessons learned, and best practices; collaborate with colleagues and partners.
• Participate in performance and development activities, embrace differing 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
• Base salary and variable compensation or incentive awards, including potential cash and/or equity incentive awards through an incentive plan

What This Job Offers

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