Retail Banker I (Alexandria/King Street) ( Bilingual Spanish Fluency Preferred)

TD • Alexandria, VA

1d • Onsite

About The Position

The Retail Banker I is a customer liaison that is 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 is proficient in products, services and routine transactions in order to identify 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. It requires a broad knowledge and understanding of the full product suite, services and processes of the business area, and could be 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 while engaging in additional conversation to identify any additional needs and offer a solution or partner referral. They make product recommendations based on Customer needs and highlight product features and benefits that ultimately support Customers through challenging times and life events, save time and money, and exceed their needs. The role utilizes Customer relationship management tools to proactively play a key role in customer assessments, proactively identifies 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 and explains 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 our unexpectedly human promise and engages in conversations with customers about loan products, facilitating the application intake. The incumbent must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).

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)
• 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
• 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

• Bilingual Spanish Fluency Preferred
• 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 that help Customers achieve their financial goals and optimize their relationship with TD.
• Identify 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.
• Establish and nurture 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.
• Make product recommendations based on Customer needs and highlight product features and benefits that ultimately support Customers through challenging times and life events, save time and money, and exceed their needs.
• Utilize Customer relationship management tools to proactively play a key role in customer assessments, proactively identifies Customer solutions and lead-focused outbound sales activities.
• Independently resolve customer issues, errors and problems, escalating when necessary.
• Build working relationships with customers and explains detailed and/or complicated information.
• Participate in Customer outreach, servicing and advice activities to deliver on our unexpectedly human promise.
• Engage in conversations with customers about loan products, facilitates 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.
• Deliver 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.
• 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 that is unexpectedly human in the Store through either effective problem resolution or providing sound advice that yields a solution.
• Engage in lobby leadership by orchestrating customer flow, warmly welcome, discover initial needs and guides customer appropriately.
• Understand 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.
• 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 educates clients on self-service channels including digital options.
• Bring your genuine self and turns each banking transaction into a personalized interaction, one Customer at a time.
• Ensure 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.
• Participate in the Stores 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.
• Knowledgeable of and complies with Bank Code of Conduct.
• Contribute to business objectives for Operational Excellence by fully understanding accountability in driving an operationally sound location.
• Execute with excellence by adhering to all risk and control policies/procedures.
• Participate 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.
• Support the team by continuously enhancing knowledge/expertise in own area and participates 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, both internally and/or externally.
• Utilize feedback through coaching sessions to demonstrate stronger performance.
• Establish relationships with partner bankers to make effective referrals to them.
• Contribute to a positive work environment by aligning to TD Model, Brand and Culture by participating fully as a member of the team.
• 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 TDs diversity agenda, and creates an extraordinary employee experience.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED
• Number of Employees: 101-250 employees