Relationship Banker II - Lexington, MA

TD Bank•Lexington, MA

2d•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 acquires new clients and deepens existing relationships through consultative engagement, needs-based guidance, product knowledge, and disciplined execution while upholding risk and regulatory standards. Based in a bank location, the Relationship Banker II manages leads and conducts proactive outreach, engages clients across walk-in, appointment, and outbound interactions, and uses TD systems and tools to identify appropriate solutions and next steps. The role leads purposeful discovery, provides tailored guidance across a broader range of products and services, handles complex client scenarios, and collaborates with partners to carry out referrals. It also includes mortgage-related engagement and activities, client concern resolution, and accurate documentation and compliance with applicable policies and regulations. The position contributes to team workflow and development, supports a positive and inclusive work environment, and continually strengthens risk and compliance knowledge. It is classified as a Loan Originator and Mortgage Loan Originator role and requires eligibility for employment with a covered financial institution and registration as a mortgage loan originator with the NMLS. A satisfactory criminal background check and credit report check are required. The role is based in Lexington, Massachusetts, and is listed as 40 hours. Pay is $23.25–$30.75 USD. TD describes a total rewards package that includes base salary and variable compensation/incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition.

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 and 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.
Sound judgment and problem-solving skills in client-facing and operational scenarios.
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 and applicable regulations.
Satisfactory criminal background check and credit report check, and required applicant statements/certification 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, outbound efforts, and engagement at a bank location.
Identify opportunities to acquire clients, retain them, and deepen relationships in support of their financial objectives.
Lead client conversations across walk-in, appointment, and outbound opportunities, using discovery and active listening to uncover expressed and unexpressed needs.
Use TD systems and tools to identify appropriate solutions and next actions, capture client information accurately, and follow through on commitments and partner hand-offs.
Provide clear, tailored, needs-based guidance on banking products and services, explaining options, benefits, and risks to support informed decisions.
Manage complex client scenarios, collaborate with partners, and ensure referrals are effectively executed.
Engage clients on mortgage products, accept mortgage inquiries, and refer clients for mortgage solutions or other residential lending activities.
Act as a client advocate, anticipate needs, and build relationships through ongoing engagement, personalized guidance, and proactive outreach.
Serve as the primary point of accountability for client concerns, resolving issues end-to-end where possible and escalating them in a timely manner when required.
Apply sound judgment to balance client needs with risk and compliance requirements; verify client identification, maintain data integrity, and follow authentication and documentation standards.
Identify discrepancies, material changes, and risk indicators and escalate them in accordance with policy and procedure.
Comply with company guidelines, regulations, AML requirements, TD’s code of conduct, and ethical standards.
Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
Complete required training, strengthen risk and compliance knowledge, and contribute to team performance by sharing insights and best practices.
Collaborate with colleagues and partners, embrace diverse perspectives, and contribute to a positive team environment.

Benefits

Base salary and variable compensation/incentive awards, including potential eligibility for cash and/or equity incentive awards through an incentive plan.
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.
Regular career, development, and performance conversations.
Access to an online learning platform and mentoring programs.
Training and onboarding sessions.