Relationship Banker II - Cranford

TD•Cranford, NJ

2d•$25 - $34•Onsite

About The Position

The Relationship Banker II is a banking professional who delivers TD’s relationship-driven banking experience by cultivating and sustaining client relationships and providing personalized solutions that support clients’ long-term financial goals. The role acquires new clients and deepens existing relationships through consultative, needs-based guidance, strong product knowledge, disciplined execution, and adherence to risk and regulatory standards. Based in a bank location, the position leads client engagement across walk-in, appointment, and outbound opportunities, identifies appropriate next steps using TD systems and tools, and provides tailored guidance across a broader range of products and services. It also engages clients on mortgage products and inquiries, referring clients for mortgage solutions or other residential lending activities. The banker acts as an advocate and primary point of accountability for client concerns, supports relationship growth and retention, resolves issues or escalates them as appropriate, and collaborates with partners to ensure effective referrals and follow-through. The role requires careful attention to compliance, accurate documentation, client identification and authentication, risk indicators, and protection of clients and the Bank. It also contributes to team workflow and development, supports a positive and inclusive work environment, and models TD leadership behaviors. The role requires a high school diploma or GED (or equivalent education and experience), at least two years of client-facing sales, service, or relationship-building experience, and the ability to obtain and maintain NMLS registration as required. Prior banking experience and a notary license are preferred. TD provides training and onboarding, ongoing development opportunities, and a total rewards package that includes compensation, benefits, savings and retirement programs, paid time off, banking benefits and discounts, and career development.

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, including 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.
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 and credit report checks, and required applicant statements or certifications regarding government agency or authority findings.
Ability to meet the position’s described physical requirements, including frequent sitting and standing, occasional walking and lifting/carrying, and continuous sedentary work, multitasking, and concentration.

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 ongoing engagement.
Identify opportunities to acquire clients, deepen existing relationships, and support clients’ financial objectives.
Lead purposeful, goals-based discovery in walk-in, appointment, and outbound interactions, using active listening and advanced questioning to uncover expressed and unexpressed needs.
Use TD systems and tools to identify appropriate solutions and next actions, accurately capture client information, and follow through on commitments and partner hand-offs.
Provide clear, tailored guidance on banking products and services, explaining options, benefits, and risks to support informed client decisions.
Manage complex client scenarios and make recommendations that reflect clients’ goals and financial positions, collaborating with partners and executing referrals effectively.
Engage clients on mortgage products, accept mortgage inquiries, and refer clients for mortgage solutions or other residential lending activities.
Act as a client advocate and primary point of accountability for concerns, resolving issues end-to-end where possible and escalating them promptly when needed.
Maintain accurate documentation and comply with policies, procedures, AML requirements, and other regulatory standards; verify client identification and follow authentication requirements.
Identify discrepancies, material changes, and risk indicators, and escalate them according to policy and procedure.
Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
Complete required training, strengthen risk and compliance knowledge, and contribute insights and best practices to the team.
Collaborate with colleagues and partners, embrace diverse perspectives, and contribute to a positive work environment aligned with TD’s culture and leadership behaviors.