Relationship Banker II - Newark/Market St (40 hour)

TD Bank • Newark, NJ

4d • Onsite

About The Position

The Relationship Banker II is a banking professional who brings TD’s relationship-driven banking experience to life 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, disciplined execution, and adherence to risk and regulatory standards.

Working in a bank location, the Relationship Banker II manages leads and conducts proactive outreach to identify opportunities to help clients meet their financial objectives. The role leads discovery across walk-in, appointment, and outbound interactions; interprets client needs; provides tailored guidance on a broad range of products and services; and supports complex client scenarios through referrals and collaboration with partners. It also engages clients on mortgage products and related residential lending activities.

The position is accountable for a welcoming, personalized client experience, resolving concerns where possible, and ensuring appropriate follow-through or escalation. It safeguards client and bank interests by maintaining accurate documentation, verifying client identification, following AML and other regulatory requirements, recognizing risk indicators, and exercising sound judgment. As a team member and leader, the role helps monitor workflow, prioritize and delegate tasks, complete training, and contribute to team performance and a positive work environment.

This position is classified as a Loan Originator under Regulation Z and as a Mortgage Loan Originator under the SAFE Act. Eligibility for employment with a covered financial institution and for NMLS registration is required, along with satisfactory criminal background and credit report checks and required applicant disclosures or certifications.

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 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, independently organize work, 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 the NMLS under the SAFE Act.
• Satisfactory criminal background check and credit report check, and required statements or certifications regarding administrative, civil, or criminal findings by a government agency or authority.
• Ability to perform the listed physical and cognitive functions, including continuous sedentary work, multitasking, operating standard office equipment, responding to sounds, 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 long-term client relationships through lead management and proactive outreach from a bank location.
• Identify opportunities to acquire new clients and deepen existing relationships in support of clients’ financial objectives.
• Lead purposeful, goals-based discovery across walk-in, appointment, and outbound client interactions, using active listening and advanced questioning to uncover expressed and unexpressed needs.
• Use TD systems and tools to identify appropriate solutions and next steps, accurately capture client information, and follow through on client commitments and partner hand-offs.
• Apply banking and financial knowledge to interpret client needs and provide clear, tailored guidance on products and services, including their options, benefits, and risks.
• Manage more complex client scenarios with a holistic understanding of client goals and financial position, collaborating with partners and ensuring effective execution of referrals.
• Anticipate client needs and maintain deeper 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.
• Provide continuity and follow-through and connect clients to TD’s broader network of expertise.
• Resolve client concerns end-to-end where possible and escalate issues in a timely manner when needed.
• Apply sound judgment to balance client needs with risk and compliance requirements and maintain accurate documentation.
• Follow and reinforce policies, procedures, regulatory requirements, AML laws, identification verification, authentication, and documentation standards to protect clients and the Bank.
• Identify discrepancies, material changes, and risk indicators and escalate them appropriately.
• Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
• Complete required training and strengthen risk and compliance knowledge.
• Contribute to team success and a positive work environment through collaboration, performance and development activities, sharing insights and best practices, and embracing diverse perspectives.

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 and mentoring programs
• Base salary and variable compensation or incentive awards, with eligibility for cash and/or equity incentive awards generally through participation in an incentive plan

What This Job Offers

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