Relationship Banker II Float - Charlotte Market

TD Bank • Charlotte, NC

2d • Onsite

About The Position

The Relationship Banker II Float works across multiple bank locations in the Charlotte market to deliver TD’s relationship-driven banking experience. The role cultivates and sustains client relationships by providing personalized banking solutions that support clients’ long-term financial goals. It is accountable for acquiring new clients and deepening existing relationships through consultative engagement, needs-based guidance, product knowledge, and disciplined execution while upholding risk and regulatory standards.

The banker leads client conversations across walk-in, appointment, and outbound opportunities; discovers expressed and unexpressed needs; and provides tailored guidance on products and services, including mortgage-related inquiries and referrals. The role manages complex client scenarios, coordinates referrals and partner handoffs, and follows through on commitments. It also safeguards clients and the Bank through accurate documentation, identity verification, adherence to AML and other regulatory requirements, sound judgment, and appropriate escalation of risks or concerns.

This position requires same-day travel to multiple work locations within a designated area. Domestic travel is continuous. The job includes client-facing and operational work, teamwork, and responsibility for monitoring workflow, prioritizing tasks, and delegating responsibilities as a team leader.

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 adapt to different locations and environments with agility, teamwork, and flexibility.
• Ability to complete same-day travel to multiple work locations within a designated area.
• 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, organize work independently, and 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.
• Eligibility for employment with a covered financial institution under Regulation Z standards and eligibility for NMLS registration as a mortgage loan originator under the SAFE Act.
• Satisfactory criminal background and credit report checks, and required applicant statements or certifications regarding government agency or authority findings.

Nice To Haves

• Prior banking experience, 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 proactive engagement.
• Identify opportunities to acquire clients and deepen existing relationships in support of clients’ financial objectives.
• Conduct purposeful, goals-based discovery using active listening and advanced questioning to uncover client needs.
• Use TD systems and tools to identify suitable solutions and next steps, accurately capture information, and follow through on commitments and partner handoffs.
• Provide clear, tailored guidance on banking products and services, explaining options, benefits, and risks to support informed client decisions.
• Manage complex client scenarios, collaborate with partners, and ensure effective execution of referrals.
• Engage clients on mortgage products, accept mortgage inquiries, and refer clients for mortgage solutions or other residential lending activities.
• Serve as an advocate for clients by anticipating needs and maintaining relationships through ongoing engagement and personalized guidance.
• Deliver a welcoming client experience and act as the primary point of accountability for client concerns, resolving issues where possible and escalating when required.
• Balance client needs with risk and compliance requirements, ensuring accurate information capture and adherence to policies.
• Verify client identification, maintain data integrity, and follow authentication, documentation, AML, and other regulatory standards.
• Identify discrepancies, material changes, or risk indicators and escalate them in accordance with policy and procedure.
• Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
• Complete required training, strengthen risk and compliance knowledge, and contribute to a positive team environment.
• Share insights, lessons learned, and best practices; collaborate with team members and partners to support team and organizational success.
• Travel on the same day among multiple work locations within a designated area.

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 possible cash and/or equity incentive awards

What This Job Offers

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