Retail Banker I - Needham, MA

TD • Needham, MA

1d • $24 - $33 • Onsite

About The Position

The Retail Banker I is a banking professional who brings TD’s relationship-driven banking experience to life by helping clients work toward their financial goals through personalized solutions. The role acquires and deepens client relationships through consultative engagement, product knowledge, and disciplined execution while following TD’s risk and regulatory standards.

The Retail Banker engages clients through in-person opportunities, lead management, and outreach; discovers their needs and priorities; explains relevant banking options and their features, benefits, and potential risks; and connects clients to appropriate products, services, or partners. The role provides ongoing guidance on TD products, services, and digital capabilities, supports everyday banking and financial wellness, and handles mortgage inquiries and referrals or other residential lending activities.

The role is accountable for a welcoming client experience, relationship growth, and resolving client concerns or escalating them when needed. It also requires accurate documentation, identity verification, sound risk awareness, and compliance with company policies, AML laws, and applicable regulatory requirements. The position is subject to mortgage loan originator eligibility and NMLS registration requirements, as well as required background and credit checks.

This position is based at a TD bank location in Needham, Massachusetts, and is listed as 40 hours. The stated pay range is $24.25–$32.50 USD. TD provides training and onboarding, career and development conversations, access to online learning and mentoring, and a total rewards package that includes base pay, variable compensation or incentive awards, health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, and career development and recognition.

Requirements

• High school diploma or GED, or an equivalent combination of education and experience.
• At least 1 year of experience engaging with clients in a service, sales, or relationship-building environment.
• Experience educating clients about products and services in a consultative manner.
• Clear and effective communication skills with clients and colleagues.
• Ability to manage multiple tasks, prioritize work, and meet deadlines in a fast-paced environment.
• Sound judgment and problem-solving skills in client interactions.
• Basic 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 applicable Regulation Z standards.
• Must be eligible for NMLS registration as a registered mortgage loan originator under the SAFE Act and implementing regulations.
• Satisfactory criminal background and credit report checks, and required applicant statements or certifications concerning government agency or authority findings.
• Ability to perform the listed essential physical and cognitive functions, including frequent sitting and standing; occasional walking, lifting and carrying, and other listed movements; and continuous concentration, multitasking, office-equipment operation, and reading, writing, and comprehending instructions.

Nice To Haves

• Teller or cash-handling experience in a financial institution.
• Notary license, or ability to obtain one.

Responsibilities

• Acquire clients at a bank location through walk-in opportunities, lead management, and outbound outreach.
• Engage clients with curiosity and conduct goals-based discovery to identify their needs and priorities.
• Explain relevant banking options, including features, benefits, and potential risks, in clear and transparent language.
• Deliver personalized solutions and next steps by connecting clients with appropriate products, services, or partners.
• Execute accurately, establish follow-up, and reinforce client relationships to support long-term financial progress.
• Provide ongoing guidance and educate clients on TD products, services, and digital capabilities.
• Build and strengthen client relationships through consistent, personalized interactions.
• Accept mortgage inquiries, refer clients for mortgage solutions, or engage in other residential lending activities.
• Deliver a welcoming client experience and build trust and credibility through meaningful discovery.
• Take primary accountability for client concerns, resolving issues where possible and escalating them promptly when required.
• Identify opportunities to deepen client relationships and improve client outcomes.
• Balance client needs with risk and compliance requirements and accurately capture client information.
• Follow operational policies, procedures, AML laws, and regulatory requirements; verify client identification and maintain data integrity and required documentation.
• Identify discrepancies, material changes, or risk indicators and escalate them according to policy and procedure.
• Complete required training and strengthen risk and compliance knowledge.
• Share insights, lessons learned, and best practices with the team; collaborate with colleagues and partners.
• Contribute to a positive, inclusive team environment and participate in performance and development activities.

Benefits

• Base salary and variable compensation or incentive awards, potentially through 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 career, development, and performance conversations.
• Access to an online learning platform and mentoring programs.
• Training and onboarding.

What This Job Offers

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