Relationship Banker II - Fanwood (40 hour)

TD Bank • Fanwood, NJ

4d • 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 banking solutions that support clients’ long-term financial goals. The role is responsible 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.

Working at a bank location, the banker engages clients through walk-ins, appointments, and outbound efforts. They lead goals-based discovery, identify expressed and unexpressed needs, provide tailored guidance on products and services, and coordinate referrals and partner hand-offs. The role also includes mortgage-related client engagement, accurate documentation, compliance with applicable requirements, and proactive follow-through on client commitments.

The position contributes to team workflow and a positive work environment, supports client acquisition and retention, and safeguards client and bank interests by following policies, procedures, AML requirements, and ethical standards. It is classified as a Loan Originator and Mortgage Loan Originator under the cited federal regulations, and requires eligibility for employment with a covered financial institution and registration as a mortgage loan originator with NMLS.

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 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 the applicable Regulation Z standards.
• Must be eligible for NMLS registration as a registered mortgage loan originator under the SAFE Act and applicable regulations.
• Satisfactory criminal background check and credit report check, and required applicant statements or certifications regarding administrative, civil, or criminal findings by government agencies or authorities.
• Ability to perform the physical and cognitive tasks specified for the role, including continuous sedentary work, multitasking, standard office equipment use, concentration, reading, writing, and basic arithmetic.

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 personalized engagement.
• Identify opportunities to deepen client relationships and support clients’ financial objectives.
• Engage clients through walk-in, appointment, and outbound interactions; lead purposeful, goals-based discovery using active listening and questioning.
• Use TD systems and tools to identify appropriate solutions and next steps, accurately capture information, and follow through on commitments and partner hand-offs.
• Apply banking and financial knowledge to interpret client needs and explain relevant products, services, options, benefits, and risks.
• Provide needs-based guidance for complex client scenarios, collaborate with partners, and ensure referrals are effectively executed.
• Anticipate client needs through ongoing engagement and proactive outreach, acting as a client advocate.
• Engage clients on mortgage products, accept mortgage inquiries, and refer clients for mortgage solutions or other residential lending activities.
• Resolve client concerns end-to-end where possible and escalate issues promptly when needed.
• Maintain accurate client documentation and comply with operational policies, regulatory requirements, AML laws, identification verification, authentication, and documentation standards.
• Identify discrepancies, material changes, and risk indicators, and escalate them in accordance with policy and procedure.
• Act as a team leader by monitoring workflow, prioritizing tasks, and delegating responsibilities.
• Complete required training and strengthen risk and compliance knowledge.
• Participate in team and performance development activities, share insights and best practices, and collaborate with colleagues and partners.
• Act in accordance with TD’s code of conduct and ethical standards and protect clients, colleagues, and the Bank.

Benefits

• Base salary and variable compensation/incentive awards, with eligibility for cash and/or equity incentive awards generally 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, training, and reward and recognition programs.
• Online learning platform and mentoring programs.

What This Job Offers

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