Relationship Banker II (Bel-Air)

TD•Bel Air, MD

2d•$23 - $31•Onsite

About The Position

This role is a banking professional that plays a vital role in bringing TD's human, relationship driven banking experience to life by cultivating and sustaining client relationships through delivering personalized banking solutions that support long term financial goals. This role is accountable for acquiring new clients and deepening existing relationships through consultative engagement, needs-based guidance supported by deep product knowledge and disciplined execution while upholding TD's risk and regulatory standards.

Requirements

High School Diploma or GED (or equivalent combination of education and experience)
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, including uncovering needs and recommending appropriate products and services
Strong communication skills with the ability to convey information clearly, concisely, and confidently to diverse client populations
Demonstrated ability to manage multiple priorities, independently organize work, and consistently meet deadlines in a fast-paced environment
Demonstrated ability to apply 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 the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36
Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007
Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position

Nice To Haves

Prior experience in a banking environment, including teller, platform, or relationship banking roles preferred
Notary License (or ability to obtain) preferred

Responsibilities

Cultivates and sustains long term client relationships through leads management and outbound efforts in a bank location; responsible for identifying opportunities that deepen client relationships that allow clients to meet their financial objectives
Proactively engages in client conversations with curiosity, actively listening and accurately capturing information while leveraging TD systems and tools to identify appropriate client solutions and next best actions, ensuring consistent follow-through across all client commitments, including partner hand-offs
Consistently leads client engagement across walk-in, appointment, and outbound opportunities, establishing credibility and deepening relationships. Leads purposeful, goals-based discovery with confidence, uncovering both expressed and unexpressed client needs through advanced questioning and active listening
Applies strong banking and financial knowledge to interpret client needs and validate understanding. Provides clear, tailored guidance on a broader range of products and services, explaining options, benefits, and risks with confidence to support informed client decisions
Delivers advanced, needs-based guidance and manages more complex client scenarios ensuring recommendations reflect a holistic understanding of client goals and financial position while driving partner collaboration and ensuring effective execution of referrals
Serves as a client advocate, anticipating client's needs to build and maintain deeper client relationships through ongoing engagement, personalized guidance, and proactive outreach
Engages clients on mortgage products, accepting mortgage inquiries, referring clients for mortgage solutions, or other residential lending activities
Champions the client experience by ensuring continuity, follow-through, and strong connection to TD’s broader network of expertise
Adheres & reinforces all policies, procedures, and regulatory requirements, ensuring accurate documentation, strong risk awareness, and protection of the client and the Bank
Accountable for delivering a welcoming, personalized client experience by actively engaging in meaningful discovery that builds trust and establishes credibility
Serves as the primary point of accountability for client concerns, resolving issues end-to-end where possible and ensuring timely escalation when required
Leads client acquisition, retention, and relationship growth for the bank location by proactively identifying opportunities to deepen relationships and improve client outcomes
Applies sound judgment to balance client needs with risk and compliance requirements, ensuring accurate capture of client information and alignment to policies
Consistently brings TD’s brand and client strategy to life through every interaction, reinforcing a differentiated, relationship-led experience
Maintains compliance when completing operational activities in accordance with company guidelines and regulations to minimize risk and protect the client
Acts as a trusted first point of contact in safeguarding the integrity of the client relationship by operating within compliance of AML laws and regulatory requirements, by accurately verifying client identification, maintaining data integrity, and following established authentication and documentation standards
Identifies potential discrepancies, material changes or risk indicators and escalates appropriately in accordance with policy and procedure
Acts in accordance with TD's code of conduct and ethical standards in every decision
Protect TD's clients, colleagues and the Bank - Do the right thing - own it, raise it, know it
Exercises sound judgment in more complex scenarios, identifying risks, resolving issues, and escalating as appropriate
Acts as a team leader to monitor workflow, prioritize tasks and delegate responsibilities
Completes required training and continuously strengthens risk and compliance knowledge
Contributes to a positive work environment by aligning to TD Model, Brand and Culture by participating fully as a member of the team
Takes accountability for outcomes and performance by participating in performance and development activities; proactively sharing insights, lessons learned, and best practices across the team
Embraces different perspectives, backgrounds, and experiences
Models curiosity and seeks out different perspectives to foster a growth mindset
Collaborates with team members and partners in contributing to the success of the team and organization
Demonstrates TD Way leadership behaviors in action