Retail Banker I Full Time Preferred Language Spanish (Jamaica)

TD•New York, NY

1d•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 proficiency in products, services, and routine transactions to identify opportunities to educate customers on Bank products and services and/or refer them to appropriate team members or internal Bank partners, ensuring a positive Customer experience. It involves establishing and nurturing Customer relationships by consistently displaying product knowledge, actively listening to Customer needs, and engaging in additional conversation to identify further needs and offer solutions or partner referrals. The Retail Banker I makes 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. They utilize Customer relationship management tools for proactive customer assessments, identifying solutions, and leading outbound sales activities. The role also involves independently resolving customer issues, errors, and problems, escalating when necessary, and building working relationships with customers by explaining detailed and/or complicated information. Full proficiency gained through job-related training is required to perform a range of activities. The position participates in Customer outreach, servicing, and advice activities to deliver on the 'unexpectedly human' promise and engages in conversations with customers about loan products, facilitating the application intake. Maintaining an active registration status with NMLS is a must.

Requirements

Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry)
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 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

Utilizing financial expertise and consultative advice to assist Customers with their banking solutions/needs
Contributing 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
Identifying opportunities to educate on Bank products and services to Customers and/or refer them to appropriate team member or internal Bank partners, while ensuring a positive Customer experience
Establishing and nurturing Customer relationships by consistently displaying product knowledge, actively listening to Customer needs while engaging in additional conversation to identify any additional needs and offer a solution or partner referral
Making product recommendations based on Customer needs and highlights product features and benefits that ultimately support Customers through challenging times and life events, save time and money, and exceed their needs
Utilizing Customer relationship management tools to proactively play a key role in customer assessments, proactively identifies Customer solutions and lead-focused outbound sales activities
Independently resolving customer issues, errors and problems, escalating when necessary
Building working relationships with customers and explains detailed and/or complicated information
Participating in Customer outreach, servicing and advice activities to deliver on our unexpectedly human promise
Engaging in conversations with customers about loan products, facilitates the application intake
Delivering Legendary experience by helping customers, building relationships, and delivering service and advice
Understands and supports the Bank's Customer Service Strategy; Delivers Customers end-to-end advice they expect: (1) building trust with educational content & tools, (2) providing consultative support, and (3) advocating for them with proactive insights & recommendations
Serves as a Customer advocate in improving customer financial confidence, providing customer resolution, proactive tips and insights on saving time & money
Consistently executes appropriate behaviors to deliver a Legendary Customer experience that is unexpectedly human in the Store through either effective problem resolution or providing sound advice that yields a solution
Engages in lobby leadership by orchestrating customer flow, warmly welcome, discover initial needs and guides customer appropriately
Understands customer preferences with banking (when and how they want) and educates Customers on self-service options that meet their needs
May 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
Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
Acts as a brand champion both internally and externally
Recognizes transaction needs and educates clients on self-service channels including digital options
Brings your genuine self and turns each banking transaction into a personalized interaction, one Customer at a time
Ensures compliance when completing operational activities in accordance with company guidelines and regulations such as Bank Secrecy Act and Patriot Act to minimize risk and protect the customer
Participates in the Stores daily operations to ensure alignment with TD's risk framework
Understands and applies operating policies and procedures
Supports the timely and accurate completion of business processes and procedures
Escalates non-standard or high-risk transactions/activities as necessary
Ensures documentation that is prepared/completed is accurate and properly reflects client/business intentions and is consistent with relevant rules/regulations
Ensures necessary due diligence to support the accuracy of all customer transactions/activities
Knowledgeable of and complies with Bank Code of Conduct
Contributes to business objectives for Operational Excellence by fully understanding accountability in driving an operationally sound location
Executes with excellence by adhering to all risk and control policies/procedures
Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit
Participates in personal performance management and development activities
Keeps 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
Contributes to a fair, positive and equitable environment that supports a diverse workforce
Acts as a brand ambassador for your business area/function and the Bank, both internally and/or externally
Utilizes feedback through coaching sessions to demonstrate stronger performance
Establishes relationships with partner bankers to make effective referrals to them
Contributes to a positive work environment by aligning to TD Model, Brand and Culture by participating fully as a member of the team
Collaborates with team members in contributing to the success of the team and organization
Actively seeks opportunities to improve delivery of work with high attention to quality standards
Actively takes ownership of own career and aspirations
Seeks out diverse feedback to continuously develop and enhance skills
Positively embraces change
Adheres and participates in TD's Shared Commitments and code of conduct expectations
Engaged in advancing and sustaining a unique, inclusive culture that reflects TDs diversity agenda, and creates an extraordinary employee experience

Benefits

Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals
Total Rewards at TD includes base salary and 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
Access to an online learning platform
Variety of mentoring programs