Retail Banker I (US) - Needham, MA

TD•Needham, MA

27d•Onsite

About The Position

The Retail Banker I is a customer liaison integral to delivering TD’s Brand promise by utilizing financial expertise and consultative advice to assist Customers with their banking solutions/needs. This role contributes to the achievement of business objectives that enable growth through identifying appropriate TD solutions that help Customers achieve their financial goals and optimize their relationship with TD. The position requires a broad knowledge and understanding of the full product suite, services, and processes of the business area, characterized by low to moderate complexity/risk. The Retail Banker I establishes and nurtures Customer relationships by consistently displaying product knowledge, actively listening to Customer needs, and engaging in additional conversation to identify and offer solutions or partner referrals. They make product recommendations based on Customer needs, highlighting features and benefits that support Customers through challenging times and life events, save time and money, and exceed their needs. The role involves utilizing Customer relationship management tools to proactively conduct customer assessments, identify Customer solutions, and lead focused outbound sales activities. They independently resolve customer issues, errors, and problems, escalating when necessary, and build working relationships with customers, explaining detailed and/or complicated information. The position requires full proficiency gained through job-related training to perform a range of activities and participates in Customer outreach, servicing, and advice activities. They engage in conversations with customers about loan products and facilitate the application intake. This position falls within the definition of Loan Originator and Mortgage Loan Originator and requires active registration status with NMLS.

Requirements

HS Diploma or GED
1+ years' experience working with customers and or sales in any capacity or equivalent demonstrated through any of the following: volunteering, education, military experience
Must be able to complete teller training upon hire to take customer transactions
Demonstrated ability to engage in customer conversations while educating them on products and services
Demonstrated organization skills to handle multiple tasks in a fast-paced environment
Excellent communication skills with ability to be concise, clear and consistent
Demonstrated ability to schedule and prioritize work
Demonstrated ability to work independently and within deadlines
Sound judgment in decision making and effective problem solving
Proficient in Microsoft Office
Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry)
Must be eligible for employment with a covered financial institution under the standards established by Regulation Z of the Truth in Lending Act, 12 CFR Part 1026.36
Must be eligible for registration as a registered mortgage loan originator with the NMLS (Nationwide Mortgage Licensing System and Registry) in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), 12 U.S.C. §§ 5102 et seq., and its implementing regulations, 12 CFR Part 1007
Satisfactory results on a criminal background check and a credit report check, and statements/certification from job applicant regarding administrative, civil, and/or criminal findings by any government agency/authority, are required by federal law for this position

Nice To Haves

Teller experience preferred
Notary License (Preferred)

Responsibilities

Utilize financial expertise and consultative advice to assist Customers with their banking solutions/needs.
Contribute to the achievement of business objectives that enable growth through identifying appropriate TD solutions.
Establish and nurture Customer relationships by consistently displaying product knowledge, actively listening to Customer needs, and engaging in additional conversation to identify additional needs and offer solutions or partner referrals.
Make product recommendations based on Customer needs and highlight product features and benefits.
Utilize Customer relationship management tools to proactively play a key role in customer assessments, identify Customer solutions, and lead focused outbound sales activities.
Independently resolve customer issues, errors, and problems, escalating when necessary.
Build working relationships with customers and explain detailed and/or complicated information.
Participate in Customer outreach, servicing, and advice activities.
Engage in conversations with customers about loan products and facilitate the application intake.
Maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
Deliver Legendary experience by helping customers, building relationships, and delivering service and advice.
Understand and support the Bank's Customer Service Strategy.
Serve as a Customer advocate in improving customer financial confidence, providing customer resolution, proactive tips, and insights on saving time & money.
Consistently execute appropriate behaviors to deliver a Legendary Customer experience.
Engage in lobby leadership by orchestrating customer flow, warmly welcoming, discovering initial needs, and guiding customers appropriately.
Understand customer preferences with banking and educate Customers on self-service options.
Act as a point of escalation for Customer questions or concerns (may).
Perform a variety of (teller) transactions including check cashing, deposits, transfers, and withdrawals while monitoring fraud mitigation and adhering to established operational policies and procedures (may).
Consider the impact of decisions on the well-being of TD, its Customers, and stakeholders.
Act as a brand champion both internally and externally.
Recognize transaction needs and educate clients on self-service channels including digital options.
Bring your genuine self and turn each banking transaction into a personalized interaction.
Ensure compliance when completing operational activities in accordance with company guidelines and regulations such as Bank Secrecy Act and Patriot Act.
Participate in the Store's daily operations to ensure alignment with TD's risk framework.
Understand and apply operating policies and procedures.
Support the timely and accurate completion of business processes and procedures.
Escalate non-standard or high-risk transactions/activities as necessary.
Ensure documentation that is prepared/completed is accurate and properly reflects client/business intentions and is consistent with relevant rules/regulations.
Ensure necessary due diligence to support the accuracy of all customer transactions/activities.
Comply with Bank Code of Conduct.
Contribute to business objectives for Operational Excellence.
Execute with excellence by adhering to all risk and control policies/procedures.
Participate fully as a member of the team, supporting a positive work environment.
Ensure timely communication of issues/points of interest.
Continuously enhance knowledge/expertise in own area and participate in knowledge transfer within the team and business unit.
Participate in personal performance management and development activities.
Keep others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities.
Contribute to a fair, positive, and equitable environment that supports a diverse workforce.
Act as a brand ambassador for your business area/function and the Bank.
Utilize feedback through coaching sessions to demonstrate stronger performance.
Establish relationships with partner bankers to make effective referrals.
Collaborate with team members in contributing to the success of the team and organization.
Actively seek opportunities to improve delivery of work with high attention to quality standards.
Actively take ownership of own career and aspirations.
Seek out diverse feedback to continuously develop and enhance skills.
Positively embrace change.
Adhere and participate in TD's Shared Commitments and code of conduct expectations.
Engage in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda, and creates an extraordinary employee experience.

Benefits

Growth opportunities
Skill development
Fair and equitable compensation opportunities
Base salary
Variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in 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
Reward and recognition
Regular development conversations
Training programs
Competitive benefits plan
Online learning platform
Variety of mentoring programs
Respectful workplace where diverse perspectives are valued
Fair opportunities to grow
Inclusive culture
Training and onboarding sessions