Relationship Banker I - Chelmsford, MA

Work Location:Chelmsford, Massachusetts, United States of AmericaHours:40Pay Details:$22.50 - $29.00 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 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 goalsEngages clients with curiosity, establishes purpose for the interaction, and conducts meaningful, goals-based discovery to uncover client needs and prioritiesApplies 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 goalsDelivers personalized solutions and next best actions, connecting clients to appropriate products, services, or partnersExecutes with accuracy and discipline, establishing clear next steps and follow-up, and reinforces the client relationship to support long-term financial progressServes 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 wellnessBuilds and strengthens client relationships through consistent, personalized interactions that reflect a client-first approachEngages clients on mortgage products, accepting mortgage inquiries, referring clients for mortgage solutions, or other residential lending activitiesAdheres to 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)1+ years of experience engaging with clients in a service, sales, or relationship building environmentTeller or cash-handling experience in a financial institution preferredExperience educating clients on products and services in a consultative mannerDemonstrated ability to communicate clearly and effectively with clients and colleaguesDemonstrated ability to manage multiple tasks, prioritize work, and meet deadlines in a fast-paced environmentAbility to exercise sound judgment and problem-solving skills in client interactionsBasic proficiency 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 requiredDrives 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 decisionProtects TD's clients, colleagues and the Bank - Do the right thing -own it, raise it, know itEmployee/ Team Accountabilities:Completes required training and continuously strengthen risk and compliance knowledgeShare insights, lessons learned, and best practices across the teamContributes 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 organizationOCC 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 – Occasional Crawling – 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