Relationship Banker I - North Beverly, MA

Banking Professional

This role is a banking professional who plays a vital role in bringing TD's human, relationship driven banking experience to life by partnering with clients to help them confidently achieve their financial goals by delivering personalized solutions that support overall financial well-being. This role is accountable for acquiring and deepening client relationships through consultative engagement, strong product knowledge, and disciplined execution that drive meaningful client outcomes while adhering to TD's risk and regulatory standards.

Depth & Scope:

• Drives acquisition in a bank location by engaging clients through walk-in opportunities, lead management, and outbound outreach, building meaningful connections that help clients achieve their financial goals
• Engages clients with curiosity, establishes purpose for the interaction, and conducts meaningful, goals-based discovery to uncover client needs and priorities
• Applies foundational banking knowledge to interpret client needs and validate understanding. Clearly explains relevant options, including features, benefits, and potential risks, using simple and transparent language to help clients make informed decisions aligned to their financial goals
• Delivers personalized solutions and next best actions, connecting clients to appropriate products, services, or partners
• Executes with accuracy and discipline, establishing clear next steps and follow-up, and reinforces the client relationship to support long-term financial progress
• Serves as a trusted client advocate by providing ongoing guidance, educating clients on TD products, services, and digital capabilities to simplify everyday banking and improve financial wellness
• Builds and strengthens client relationships through consistent, personalized interactions that reflect a client-first approach
• Engages clients on mortgage products, accepting mortgage inquiries, referring clients for mortgage solutions, or other residential lending activities
• Adheres to all policies, procedures, and regulatory requirements, ensuring accurate documentation, strong risk awareness, and protection of the client and the Bank

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

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

Employee/ Team Accountabilities:

Completes required training and continuously strengthen risk and compliance knowledge

Share insights, lessons learned, and best practices across the team

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

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 TD's code of conduct and ethical standards in every decision

Protects TD's clients, colleagues and the Bank - Do the right thing -own it, raise it, know it

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

Drives 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 TD's brand and client strategy to life through every interaction, reinforcing a differentiated, relationship-led experience

Education & Experience:

High School Diploma or GED (or equivalent combination of education and experience)

1+ years of experience engaging with clients in a service, sales, or relationship building environment

Teller or cash-handling experience in a financial institution preferred

Experience educating clients on products and services in a consultative manner

Demonstrated ability to communicate clearly and effectively with clients and colleagues

Demonstrated ability to manage multiple tasks, prioritize work, and meet deadlines in a fast-paced environment

Ability to exercise 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

Notary License (or ability to obtain) preferred

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.

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