Premier Banker- Melrose

Work Location: Melrose, Massachusetts, United States of America | Hours: 40

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 of the role 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.

Responsibilities

• Works in a bank location and is accountable for growing, deepening, and retaining strong relationships with a mass affluent book of business by proactively managing and addressing their banking needs with an advice-based approach.
• Demonstrates 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.
• Acquires, retains, and deepens relationships with new mass affluent clients by converting referrals, leads, and outbound prospecting.
• Proactively engages in client outreach (via phone, email, appointments, and other means) and regularly meets 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.
• Delivers excellent client service, reviews moderately complex client concerns, and escalates banking-related issues/risks when appropriate.
• Adheres to all relevant Retail/Wealth policies, procedures, FINRA, and regulatory banking requirements.
• Engages in conversations with clients about loan products and facilitates the application intake. Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
• Establishes and maintains strong working relationships with partners via ongoing meetings and collaboration to identify areas for relationship deepening in Wealth, Commercial, Small Business, Lending, etc.
• Partners regularly with the Wealth Financial Advisor, including warm referrals and joint pipeline review meetings to prepare for future client interactions.
• Provides ongoing coaching and feedback to bank staff on effective methods to articulate the program's value and make Premier referrals for mass affluent clients.
• Responsible for understanding and adhering to regulations, TD Bank & TD Wealth Policies and Procedures.
• Responsible for implementing 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.
• Delivers the TD Premier program to eligible clients.
• Acts as an educator and advisor to clients, knowledgeable in products and services.
• Performs a broad range of both routine and multi-step customer transactions with established client service skills.
• Establishes and nurtures 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.
• Utilizes client relationship tools to engage in needs-based conversations to identify solutions and provide proactive advice.
• Understands client's banking preferences and educates clients and non-clients on current promotions, campaigns, tools, and resources to make banking easier.
• Supports the Bank's Customer Service Strategy.
• Delivers client end-to-end advice by building trust with educational content and tools, providing consultative support, and advocating for them with proactive insights and recommendations.
• Considers the impact of decisions on the well-being of TD, its clients, and stakeholders.
• Provides the highest level of client service when dealing with internal partners or vendors.
• Works as a single point of contact to clients by exploring various products or services and connecting the client with partners as needed.
• Contributes to business objectives for Operational Excellence by championing and reviewing team compliance with regulations; fully understanding accountability in driving an operationally sound location.
• Ensures documentation prepared/completed is accurate and properly reflects client/business intentions, consistent with relevant rules/regulations.
• Applies Compliance policies and regulations to all transactions to ensure integrity and proper compliance with all documentation, following operational requirements.
• Engages in conversations with clients regarding loan applications, prepares documents, and conducts loan closings.
• Meets individual/store performance metrics.
• Contributes to a positive work environment by aligning to TD Model, Brand, and Culture by participating fully as a team member.
• Actively participates in personal performance and development activities.
• Acts as a brand champion both internally and externally.
• Collaborates with team members in contributing to the success of the team and organization.
• Partners as a team player with strong relationship-building and selling skills.
• Demonstrates detail orientation, organization, self-starting ability, and high energy level.
• Actively seeks opportunities to improve work delivery with high attention to quality standards.
• 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.
• Engages 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.
• Leads continuous coaching in assigned bank locations on all topics supporting the growth of the Mass Affluent segment portfolio/book of business.

Requirements

• HS 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.
• Must 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.
• Takes ownership of own career and aspirations; seeks 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.

Pay

$25.75 - $41.50 USD per hour. TD is committed to providing fair and equitable compensation opportunities to all colleagues. 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.

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.

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