Relationship Banker II - Lexington, MA

TD • Lexington, MA

1d • $23 - $31 • Onsite

About The Position

This banking professional cultivates and sustains client relationships by delivering 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.

The Relationship Banker leads client engagement across walk-in, appointment, and outbound opportunities; conducts goals-based discovery; interprets client needs; and provides tailored guidance on products and services. The role handles more complex client scenarios, collaborates with partners and makes effective referrals, including around mortgage products and residential lending. It also serves as a client advocate, ensuring continuity, follow-through, accurate documentation, and appropriate risk escalation.

The position contributes to team workflow and a positive work environment, completes required training, and upholds TD’s policies, procedures, regulatory requirements, code of conduct, and client-focused standards. It is classified as a Loan Originator and Mortgage Loan Originator under applicable federal regulations and requires eligibility for employment with a covered financial institution and for NMLS registration. A satisfactory criminal background check and credit report check, as well as required applicant statements or certifications, are required.

Requirements

• High school diploma or GED, or 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 communicate clearly, concisely, and confidently with 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 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.
• Eligibility for employment with a covered financial institution under applicable Regulation Z standards and for registration as a mortgage loan originator with NMLS under the SAFE Act.
• Satisfactory criminal background check and credit report check, and required statements or certifications regarding government agency or authority findings.

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 client relationships through lead management, outbound efforts, and identifying opportunities to deepen relationships and support clients’ financial objectives.
• Engage clients across walk-in, appointment, and outbound opportunities; conduct purposeful, goals-based discovery and capture client information accurately.
• Use TD systems and tools to identify appropriate solutions and next steps, and follow through on commitments, including partner hand-offs.
• Apply banking and financial knowledge to provide clear, tailored guidance about products and services, including their options, benefits, and risks.
• Manage complex client scenarios with a holistic understanding of client goals and financial position; collaborate with partners and ensure effective execution of referrals.
• Anticipate client needs through ongoing engagement, personalized guidance, and proactive outreach.
• Engage clients on mortgage products, accept mortgage inquiries, refer clients for mortgage solutions, and participate in other residential lending activities.
• Ensure continuity of the client experience and connection to TD’s broader network of expertise.
• Follow and reinforce policies, procedures, and regulatory requirements; maintain accurate documentation and strong risk awareness.
• Deliver a welcoming, personalized client experience and serve as the primary point of accountability for client concerns, resolving issues where possible and escalating them promptly when needed.
• Lead client acquisition, retention, and relationship growth for the bank location.
• Balance client needs with risk and compliance requirements, including accurate client information capture and adherence to policy.
• Comply with operational guidelines and applicable AML and regulatory requirements; verify client identification and follow authentication and documentation standards.
• Identify discrepancies, material changes, and risk indicators, escalating appropriately.
• Act in accordance with TD’s code of conduct and ethical standards, safeguarding clients, colleagues, and the Bank.
• Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
• Complete required training and strengthen risk and compliance knowledge; contribute to team success, share insights and best practices, and participate in development activities.
• Collaborate with colleagues and partners, embrace different perspectives, and demonstrate 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
• Variable compensation or incentive awards, with eligibility for cash and/or equity incentive awards generally through participation in an incentive plan
• Training and onboarding
• Online learning platform and mentoring programs

What This Job Offers

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