Relationship Banker I Chelmsford, MA

Work Location:

Chelmsford Massachusetts United States of America

Hours:

40

Pay Details:

$22.50 - $29.00 USD

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:

Personal & Commercial Banking

Job Description:

This role is a banking professional who plays a vital role in bringing TDs 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 TDs 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

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

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 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
• Protects TDs clients colleagues and the Bank - Do the right thing -own it raise it know it

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

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.

Colleague Development

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.

Interview Process
Well 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.

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.