Relationship Banker II (Bowie)

TD•Bowie, MD

1d•$25 - $34•Onsite

About The Position

The Relationship Banker II is a banking professional who brings TD’s relationship-driven banking experience to life by cultivating and sustaining client relationships and delivering personalized banking solutions that support clients’ long-term financial goals. The role acquires new clients and deepens existing relationships through consultative engagement, needs-based guidance, strong product knowledge, and disciplined execution while upholding risk and regulatory standards. Based in a bank location, the banker manages leads and conducts outbound outreach, engages clients across walk-in, appointment, and outbound opportunities, and identifies ways to help clients meet their financial objectives. The role uses TD systems and tools to understand client needs, recommend appropriate products and services, follow through on commitments and partner hand-offs, and provide advanced guidance in more complex client situations. It also involves mortgage inquiries and referrals or other residential lending activities. The position serves as an advocate and primary point of accountability for clients, supports acquisition, retention, and relationship growth, resolves concerns or escalates them when needed, and collaborates with partners across TD. It requires accurate documentation, sound risk awareness, compliance with policies and regulations, and protection of clients and the Bank. The role also contributes to team workflow and a positive work environment, including monitoring workflow, prioritizing tasks, and delegating responsibilities.

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 client 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, independently organize work, and consistently meet deadlines in a fast-paced environment.
Demonstrated sound judgment and problem-solving ability 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 Regulation Z standards.
Must be eligible for registration as a registered mortgage loan originator with NMLS under the SAFE Act.
Satisfactory criminal background check and credit report check, and required applicant statements or certification regarding administrative, civil, and criminal findings by government agencies or authorities.

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 and outbound efforts at a bank location.
Identify opportunities to deepen client relationships and support clients’ financial objectives.
Engage clients through walk-in, appointment, and outbound opportunities; conduct purposeful, goals-based discovery using active listening and advanced questioning.
Use TD systems and tools to capture client information, identify suitable solutions and next actions, and follow through on commitments and partner hand-offs.
Explain product and service options, benefits, and risks, and provide tailored, needs-based guidance, including for complex client scenarios.
Refer clients for mortgage solutions, accept mortgage inquiries, or participate in other residential lending activities.
Anticipate client needs and strengthen relationships through ongoing engagement, personalized guidance, and proactive outreach.
Serve as a primary point of accountability for client concerns, resolve issues end-to-end where possible, and escalate when required.
Lead client acquisition, retention, and relationship growth for the bank location.
Apply sound judgment to balance client needs with risk and compliance requirements, maintain accurate documentation, and protect client information and the Bank.
Comply with AML laws, regulatory requirements, authentication and documentation standards, and TD’s code of conduct and ethical standards.
Identify discrepancies, material changes, or risk indicators and escalate them according to policy and procedure.
Monitor workflow, prioritize tasks, and delegate responsibilities as a team leader.
Complete required training and strengthen risk and compliance knowledge.
Contribute to a positive and collaborative team environment, share insights and best practices, and participate in performance and development activities.