Premier Banker- Franklin Lakes

Work Location: Franklin Lakes, New Jersey, United States of America • 40 hours per week • Pay: $27.75 - $41.50 USD per hour

About the role

The Premier Banker is an experienced banker serving as the primary contact for a complex client portfolio of mass affluent clients. Through proactive outreach, this role manages mass affluent clients' complete banking relationship and connects clients to specialists to ensure all financial needs are met. The objective is to grow, deepen, and retain client relationships by delivering TD’s model of convenience, sales, and advice, and differentiating with a personalized, connected experience. Premier Bankers play a critical role in delivering TD's mass affluent premier value, building lasting relationships, and providing legendary service to a valued set of clients.

Responsibilities

• Grow, deepen, and retain strong relationships with a mass affluent book of business by proactively managing and addressing their banking needs with an advice-based approach.
• Demonstrate proficiency and in-depth knowledge in banking and credit products, offerings, and processes to fluently explain banking solutions to clients and act as an experienced liaison with internal partners in small business, wealth, commercial, and lending.
• Acquire, retain, and deepen relationships with new mass affluent clients by converting referrals, leads, and outbound prospecting.
• Proactively engage in client outreach (via phone, email, appointments, and other means) and regularly meet with clients to conduct needs-based conversations, review and analyze financial information, suggest appropriate solutions and/or service options, and coordinate introductions/interactions with appropriate partners.
• Deliver excellent client service, review moderately complex client concerns, and escalate banking-related issues/risks when appropriate.
• Adhere to all relevant Retail/Wealth policies, procedures, FINRA, and regulatory banking requirements.
• Engage in conversations with clients about loan products and facilitate the application intake. Maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
• Establish and maintain strong working relationships with partners via ongoing meetings and collaboration to identify areas for relationship deepening in Wealth, Commercial, Small Business, Lending, etc.
• Partner regularly with the Wealth Financial Advisor, including warm referrals and joint pipeline review meetings to prepare for future client interactions.
• Provide ongoing coaching and feedback to bank staff on effective methods to articulate the program's value and make Premier referrals for mass affluent clients.
• Understand and adhere to regulations, TD Bank & TD Wealth Policies and Procedures.
• Implement TD’s Client Identification Program (CIP) by collecting and verifying required customer identification information and performing other client Due Diligence and Enhanced Due Diligence Requirements as outlined in the Business Unit AML procedures.
• Deliver the TD Premier program to eligible clients, acting as an educator and advisor on products and services.
• Establish and nurture client relationships through proactive outreach, ongoing engagement, consistent display of product knowledge, actively listening to client needs, and offering advice-based solutions or partner referrals.
• Understand clients' banking preferences and educate clients and non-clients on current promotions, campaigns, tools, and resources to make banking easier.
• Support the Bank's Customer Service Strategy and deliver end-to-end client advice by building trust with educational content and tools, providing consultative support, and advocating for clients with proactive insights and recommendations.
• Consider the impact of decisions on the well-being of TD, its clients, and stakeholders.
• Provide the highest level of client service when dealing with internal partners or vendors, acting as a single point of contact for clients by exploring various products or services and connecting clients with partners as needed.
• Contribute to business objectives for Operational Excellence by championing and reviewing team compliance with regulations, ensuring documentation is accurate and reflects client/business intentions.
• Apply Compliance policies and regulations to all transactions to ensure integrity and proper compliance with documentation and operational requirements.
• Engage in conversations with clients regarding loan applications, prepare documents, and conduct loan closings.
• Meet individual and store performance metrics.

Requirements

• High School Diploma or GED (required).
• Bachelor's/University degree or equivalent experience preferred.
• 2+ years of financial/banking experience.
• Successful completion of the Securities Industry Essentials Exam (SIE) strongly preferred.
• Life & Health license preferred.
• Understanding and experience with retail and small business banking; experience interacting with Mass Affluent and high net worth clients.
• Maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry) upon hire.
• Consultative sales experience required.
• 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 in accordance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act).
• 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.

Skills

• Strong relationship building and selling skills.
• Detail-oriented, well-organized, self-starter with a high energy level.
• Actively seeks opportunities to improve delivery of work with high attention to quality standards.
• Actively takes ownership of own career and aspirations; seeks out diverse feedback to continuously develop and enhance skills.
• Positively embraces change.
• Adheres to and participates in TD's Shared Commitments.
• Models quality service at every client interaction.
• Engaged in advancing and sustaining a unique, inclusive culture that reflects TD's diversity agenda and creates an extraordinary employee experience.
• May train and act as a mentor to newer colleagues.
• Leverages the expertise and capabilities of other businesses/partners to better achieve mutual goals in collaboration.

Physical Requirements

• Domestic Travel: Occasional (1-33%)
• International Travel: Never (0%)
• Performing sedentary work: Continuous (67-100%)
• Performing multiple tasks: Continuous (67-100%)
• Operating standard office equipment: Continuous (67-100%)
• Responding quickly to sounds: Occasional (1-33%)
• Sitting: Continuous (67-100%)
• Standing: Occasional (1-33%)
• Walking: Occasional (1-33%)
• Moving safely in confined spaces: Occasional (1-33%)
• Lifting/Carrying (under 25 lbs.): Occasional (1-33%)
• Lifting/Carrying (over 25 lbs.): Occasional (1-33%)
• Squatting: Occasional (1-33%)
• Bending: Occasional (1-33%)
• Kneeling: Occasional (1-33%)
• Crawling: Occasional (1-33%)
• Climbing: Occasional (1-33%)
• Reaching overhead: Occasional (1-33%)
• Reaching forward: Occasional (1-33%)
• Pushing: Occasional (1-33%)
• Pulling: Occasional (1-33%)
• Twisting: Occasional (1-33%)
• Concentrating for long periods of time: Continuous (67-100%)
• Applying common sense to deal with problems involving standardized situations: Continuous (67-100%)
• Reading, writing, and comprehending instructions: Continuous (67-100%)
• Adding, subtracting, multiplying, and dividing: Continuous (67-100%)

Benefits

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).
• 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 opportunities.
• Reward and recognition programs.