Retail Banker II (Rhode Island Place)

Work Location:

Hours:

Pay Details:

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidates skills and experience job-related knowledge geographic location and other specific business and organizational needs.

As a candidate you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Job Description:

This role is a banking professional that plays a vital role in bringing TDs human relationship driven banking experience to life by cultivating and sustaining client relationships through delivering personalized banking solutions that support long term financial goals. This role is accountable for acquiring new clients and deepening existing relationships through consultative engagement needs-based guidance supported by deep product knowledge and disciplined execution while upholding TDs risk and regulatory standards.

• Cultivates and sustains long term client relationships through leads management and outbound efforts in a bank location; responsible for identifying opportunities that deepen client relationships that allow clients to meet their financial objectives
• Proactively engages in client conversations with curiosity actively listening and accurately capturing information while leveraging TD systems and tools to identify appropriate client solutions and next best actions ensuring consistent follow-through across all client commitments including partner hand-offs
• Consistently leads client engagement across walk-in appointment and outbound opportunities establishing credibility and deepening relationships. Leads purposeful goals-based discovery with confidence uncovering both expressed and unexpressed client needs through advanced questioning and active listening
• Applies strong banking and financial knowledge to interpret client needs and validate understanding. Provides clear tailored guidance on a broader range of products and services explaining options benefits and risks with confidence to support informed client decisions
• Delivers advanced needs-based guidance and manages more complex client scenarios ensuring recommendations reflect a holistic understanding of client goals and financial position while driving partner collaboration and ensuring effective execution of referrals
• Serves as a client advocate anticipating clients needs to build and maintain deeper client relationships through ongoing engagement personalized guidance and proactive outreach
• Engages clients on mortgage products accepting mortgage inquiries referring clients for mortgage solutions or other residential lending activities
• Champions the client experience by ensuring continuity follow-through and strong connection to TDs broader network of expertise
• Adheres & reinforces all policies procedures and regulatory requirements ensuring accurate documentation strong risk awareness and protection of the client and the Bank

Education & Experience:

• High School Diploma or GED (or equivalent combination of education and experience)
• 2 years of experience engaging clients in a sales service or relationship building capacity including identifying needs and delivering solutions
• Prior experience in a banking environment including teller platform or relationship banking roles preferred
• Demonstrated ability to conduct consultative client conversations including uncovering needs and recommending appropriate products and services
• Strong communication skills with the ability to convey information clearly concisely and confidently to diverse client populations
• Demonstrated ability to manage multiple priorities independently organize work and consistently meet deadlines in a fast-paced environment
• Demonstrated ability to apply sound judgment and problem-solving skills 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
• Notary License (or ability to obtain) preferred

Customer Accountabilities:

• Accountable for delivering a welcoming personalized client experience by actively engaging in meaningful discovery that builds trust and establishes credibility
• Serves as the primary point of accountability for client concerns resolving issues end-to-end where possible and ensuring timely escalation when required
• Leads client acquisition retention and relationship growth for the bank location by proactively identifying opportunities to deepen relationships and improve client outcomes
• Applies sound judgment to balance client needs with risk and compliance requirements ensuring accurate capture of client information and alignment to policies
• Consistently brings TDs brand and client strategy to life through every interaction reinforcing a differentiated relationship-led experience

Shareholder Accountabilities:

• Maintains compliance when completing operational activities in accordance with company guidelines and regulations to minimize risk and protect the client
• Acts as a trusted first point of contact in safeguarding the integrity of the client relationship by operating within compliance of AML laws and regulatory requirements by accurately verifying client identification maintaining data integrity and following established authentication and documentation standards
• Identifies potential discrepancies material changes or risk indicators and escalates appropriately in accordance with policy and procedure
• Acts in accordance with TDs code of conduct and ethical standards in every decision
• Protect TDs clients colleagues and the Bank - Do the right thing - own it raise it know it
• Exercises sound judgment in more complex scenarios identifying risks resolving issues and escalating as appropriate

Employee/ Team Accountabilities:

• Acts as a team leader to monitor workflow prioritize tasks and delegate responsibilities
• Completes required training and continuously strengthens risk and compliance knowledge
• Contributes to a positive work environment by aligning to TD Model Brand and Culture by participating fully as a member of the team
• Takes accountability for outcomes and performance by participating in performance and development activities; proactively sharing insights lessons learned and best practices across the team
• Embraces different perspectives backgrounds and experiences
• Models curiosity and seeks out different perspectives to foster a growth mindset
• Collaborates with team members and partners in contributing to the success of the team and organization
• Demonstrates TD Way leadership behaviors in action

OCC Language:

• This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act 12 CFR Part 1026.36 and the definition of Mortgage Loan Originator as defined under 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
• 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

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional
• International Travel Never
• Performing sedentary work Continuous
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Continuous
• Sitting Frequent
• Standing Frequent
• Walking Occasional
• Moving safely in confined spaces Occasional
• Lifting/Carrying (under 25 lbs.) Occasional
• Lifting/Carrying (over 25 lbs.) Occasional
• Squatting Occasional
• Bending Occasional
• Kneeling Occasional
• Crawling Occasional
• Climbing Occasional
• Reaching overhead Occasional
• Reaching forward Occasional
• Pushing Occasional
• Pulling Occasional
• Twisting Occasional
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading writing and comprehending instructions Continuous
• Adding subtracting multiplying and dividing Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:

TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we strive to make every interaction product and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to foster deeper relationships ensure disciplined execution and build a simpler faster banking experience. TD is deeply committed to being a leader in client experience that is why we believe that all colleagues no matter where they work are client facing. Together we are reimagining what banking can be for our clients colleagues and communities.

Our Total Rewards Package

Our 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) and several other key plans such as 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 and reward and recognition. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If youre passionate about helping clients and building deep lasting relationships TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

Were committed to your success and foster a respectful workplace where diverse perspectives are valued everyone has fair opportunities to grow and you can unlock your full potential to achieve your career goals. Here at TD we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age disability status as a protected veteran or any other characteristic protected under applicable federal state or local law.

If you are an applicant with a disability and need accommodations to complete the application process please email TD Bank US Workplace Accommodations Program at . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.