Relationship Banker II - Marlborough

Banking ProfessionalWork Location: Marlborough, Massachusetts, 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.) – Occasional