Relationship Banker II - Rahway (40 hour)

TD • Rahway, NJ

5d • $25 - $34 • Onsite

About The Position

This banking professional brings TD’s relationship-driven banking experience to life by cultivating and sustaining client relationships through 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.

Based at a bank location, the Relationship Banker II manages leads and conducts proactive outreach, engaging clients through walk-in, appointment, and outbound opportunities. The role identifies expressed and unexpressed needs, provides tailored guidance across a broader range of products and services, and manages more complex client scenarios. It also supports mortgage inquiries and residential lending referrals, coordinates partner hand-offs, and ensures consistent follow-through.

The position serves as a client advocate and primary point of accountability for concerns, resolving issues where possible and escalating when appropriate. It safeguards client relationships by accurately verifying client information, maintaining documentation and data integrity, identifying risk indicators, and following applicable policies, AML requirements, and regulatory standards. The role also acts as a team leader by monitoring workflow, prioritizing tasks, and delegating responsibilities, while contributing to a collaborative, respectful work environment.

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 and 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.
• 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 NMLS under the SAFE Act and applicable regulations.
• Satisfactory criminal background check and credit report check, and required applicant statements or certifications regarding government agency or authority findings.
• Compliance with applicable policies, procedures, regulatory requirements, and TD’s ethical standards.

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 identifying opportunities to deepen relationships.
• Engage clients through walk-in, appointment, and outbound interactions, using purposeful discovery and active listening to uncover their 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.
• Apply banking and financial knowledge to provide clear, tailored guidance on products and services, including options, benefits, and risks.
• Manage complex client scenarios and provide needs-based recommendations reflecting clients’ goals and financial positions; collaborate with partners and execute referrals effectively.
• Conduct proactive outreach and ongoing engagement to anticipate client needs and strengthen relationships.
• Accept mortgage inquiries, refer clients for mortgage solutions, and participate in other residential lending activities.
• Deliver a welcoming, personalized client experience and act as the primary point of accountability for client concerns, resolving issues or escalating them promptly.
• Drive client acquisition, retention, and relationship growth for the bank location.
• Balance client needs with risk and compliance requirements, including accurate information capture and adherence to policies.
• Maintain compliance with company guidelines and regulations during operational activities; verify client identification and follow authentication and documentation standards, including applicable AML requirements.
• Identify discrepancies, material changes, or risk indicators and escalate them in accordance with policies and procedures.
• Act in accordance with TD’s code of conduct and ethical standards, protecting clients, colleagues, and the Bank.
• Use sound judgment in complex situations to identify risks, resolve issues, and escalate as appropriate.
• Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
• Complete required training and strengthen risk and compliance knowledge.
• Contribute to a positive, collaborative work environment; participate in performance and development activities and share insights, lessons learned, and best practices.
• Embrace different perspectives and model curiosity, a growth mindset, and TD Way leadership behaviors.

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, with eligibility for cash and/or equity incentive awards generally through participation in an incentive plan
• Online learning platform and mentoring programs
• Training and onboarding

What This Job Offers

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