Relationship Banker II - 929 Horsham Road, Horsham, PA (Full Time)

Work Location:Horsham, Pennsylvania, United States of AmericaHours:40Pay Details:$23.25 - $30.75 USDTD 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 candidate's 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:Personal & Commercial BankingJob Description:This role is a banking professional that plays a vital role in bringing TD's 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 TD's risk and regulatory standards.Depth & Scope: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 objectivesProactively 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-offsConsistently 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 listeningApplies 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 decisionsDelivers 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 referralsServes as a client advocate, anticipating client's needs to build and maintain deeper client relationships through ongoing engagement, personalized guidance, and proactive outreachEngages clients on mortgage products, accepting mortgage inquiries, referring clients for mortgage solutions, or other residential lending activitiesChampions the client experience by ensuring continuity, follow-through, and strong connection to TD’s broader network of expertiseAdheres & reinforces all policies, procedures, and regulatory requirements, ensuring accurate documentation, strong risk awareness, and protection of the client and the BankEducation & 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 solutionsPrior experience in a banking environment, including teller, platform, or relationship banking roles preferredDemonstrated ability to conduct consultative client conversations, including uncovering needs and recommending appropriate products and servicesStrong communication skills with the ability to convey information clearly, concisely, and confidently to diverse client populationsDemonstrated ability to manage multiple priorities, independently organize work, and consistently meet deadlines in a fast-paced environmentDemonstrated ability to apply sound judgment and problem-solving skills in client-facing and operational scenariosProficiency with Microsoft Office or similar workplace technologiesAbility to complete required job-related training upon hireAbility to obtain and maintain active registration with the Nationwide Mortgage Licensing System and Registry (NMLS) as required for the roleNotary License (or ability to obtain) preferredCustomer Accountabilities:Accountable for delivering a welcoming, personalized client experience by actively engaging in meaningful discovery that builds trust and establishes credibilityServes as the primary point of accountability for client concerns, resolving issues end-to-end where possible and ensuring timely escalation when requiredLeads client acquisition, retention, and relationship growth for the bank location by proactively identifying opportunities to deepen relationships and improve client outcomesApplies sound judgment to balance client needs with risk and compliance requirements, ensuring accurate capture of client information and alignment to policiesConsistently brings TD’s brand and client strategy to life through every interaction, reinforcing a differentiated, relationship-led experienceShareholder Accountabilities:Maintains compliance when completing operational activities in accordance with company guidelines and regulations to minimize risk and protect the clientActs 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 standardsIdentifies potential discrepancies, material changes or risk indicators and escalates appropriately in accordance with policy and procedureActs in accordance with TD's code of conduct and ethical standards in every decisionProtect TD's clients, colleagues and the Bank - Do the right thing - own it, raise it, know itExercises sound judgment in more complex scenarios, identifying risks, resolving issues, and escalating as appropriateEmployee/ Team Accountabilities:Acts as a team leader to monitor workflow, prioritize tasks and delegate responsibilitiesCompletes required training and continuously strengthens risk and compliance knowledgeContributes to a positive work environment by aligning to TD Model, Brand and Culture by participating fully as a member of the teamTakes accountability for outcomes and performance by participating in performance and development activities; proactively sharing insights, lessons learned, and best practices across the teamEmbraces different perspectives, backgrounds, and experiencesModels curiosity and seeks out different perspectives to foster a growth mindsetCollaborates with team members and partners in contributing to the success of the team and organizationDemonstrates TD Way leadership behaviors in actionOCC 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 1007Must 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 1026.36Must 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 1007Satisfactory 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 positionPhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – ContinuousSitting – FrequentStanding – FrequentWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – OccasionalSquatting – OccasionalBending – OccasionalKneeling – OccasionalCrawling – OccasionalClimbing – OccasionalReaching overhead – OccasionalReaching forward – OccasionalPushing – OccasionalPulling – OccasionalTwisting – OccasionalConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe 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 world's 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 95,000 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 PackageOur 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 moreAdditional Information:We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.Colleague DevelopmentIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll 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 you’re 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.We're 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 & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.AccommodationTD 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 View email address on click.appcast.io . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. #J-18808-Ljbffr