Relationship Banker I - Morristown - Bilingual (Spanish)
for section headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We have Pay details: $24.25 - $32.50 USD. Also Hours 40 (maybe schedule). Work Location: Bernardsville, New Jersey, United States of America. Should we include location? Not a heading; maybe in a
under About the role? The instruction: do NOT repeat job title as heading; we can include location in a paragraph. We need sections: About the role (description), Responsibilities (list), Requirements (maybe Education & Experience), Qualifications (maybe NMLS, Notary), Skills (maybe abilities), Benefits (Total Rewards Package description), Pay (the range), Schedule (Hours 40). Also maybe Work Location. We must not create sections with filler like "commensurate with experience". We have actual Pay details, so include Pay section. Hours 40 => schedule. We must preserve all substantive information; not invent or summarize away detail. So we need to include all bullet points from responsibilities, etc. Let's parse the posting. Work Location: Bernardsville, New Jersey, United States of America Hours 40 Pay Details $24.25 - $32.50 USD Then a paragraph about TD compensation. Line Of Business Personal & Commercial Banking Job 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: list of bullet-like sentences (each starting with a verb). We'll treat as responsibilities. Education & Experience: list of bullet-like items. Customer Accountabilities: list. Shareholder Accountabilities: list. Employee/Team Accountabilities: list. OCC Language: regulatory requirements. Physical Requirements: list. Who We Are: description. Our Total Rewards Package: description. Additional Information: etc. We need to strip boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The OCC Language seems regulatory but maybe considered boilerplate? It's specific to role (mortgage loan originator). Might be considered qualifications? It's about eligibility. Could be part of Requirements or Qualifications. We'll keep as part of Requirements maybe. Physical Requirements: maybe not needed? It's substantive; could be part of Requirements or a separate section? There's no heading for Physical Requirements in allowed headings; we could fold into Requirements or maybe into a
under Requirements. Since we only allowed certain headings, we should not create new headings like Physical Requirements. So we need to embed that info somewhere else, maybe under Requirements as a list. Similarly, Who We Are and Total Rewards could go under Benefits or About the role? Benefits section: we have Total Rewards Package description. So we can put that under Benefits. Schedule: Hours 40 => we can put under Schedule. Pay: range. Location: maybe include in About the role paragraph. Responsibilities: we have Depth & Scope bullet list; also maybe Customer Accountabilities etc could be responsibilities. But we need to avoid duplication. We'll combine all responsibility-like bullet points into a single
- under Responsibilities.
Requirements: Education & Experience bullet list; also OCC Language eligibility; Physical Requirements maybe.
Qualifications: maybe NMLS registration, Notary License preferred, etc.
Skills: abilities like communication, multitasking, problem solving, Microsoft Office proficiency.
We must not invent or summarize away detail; we need to preserve all substantive information. So we need to include each bullet point exactly as given (or close). We cannot omit any.
Let's extract bullet points.
From Depth & Scope (responsibilities):
- 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
From 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 TD’s brand and client strategy to life through every interaction, reinforcing a differentiated, relationship-led experience
From 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 TD's code of conduct and ethical standards in every decision
- Protects TD's clients, colleagues and the Bank - Do the right thing -own it, raise it, know it
From 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
From OCC Language (maybe qualifications):
- 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
From 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
From Physical Requirements (list):
We need to include all these items. They are statements like "Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%" then categories with percentages. We need to preserve them. Could format as list items each with description.
Let's extract each line after that heading:
- 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
We need to include all.
From Who Are: description paragraph.
From Total Rewards Package: description paragraph.
From Additional Information: paragraphs about development, training, interview process, accommodation, EEO statement (but EEO is boilerplate to remove). We need to remove EEO/equal-opportunity boilerplate. The accommodation paragraph includes "TD Bank is an equal opportunity employer..." that's boilerplate; we should remove that. Also the earlier "Accommodation TD Bank is an equal opportunity employer..." appears at end. We'll drop that.
We also need to remove duplicated lines.
Now we need to decide sections.
We'll have:
About the role
... include Work Location, Hours, Line Of Business, Job Description paragraph(s).
Responsibilities
- list all responsibility bullet points (Depth & Scope, Customer Accountabilities, Shareholder Accountabilities, Employee/Team Accountabilities). Might be many but okay.
Requirements
- list Education & Experience items, plus Physical Requirements items, plus OCC Language eligibility items? Might be better to separate