Relationship Banker I - Phillipsburg (Bilingual Preferred - Spanish)

About the role

This Retail Banker I role is a customer-facing position integral to delivering TD’s brand promise through financial expertise and consultative advice. The role supports business growth by identifying TD solutions that help customers achieve their financial goals and strengthen their relationship with TD.

Responsibilities

• Provide routine transactions and product education to customers, identifying opportunities to refer them to appropriate internal partners while ensuring a positive customer experience
• Establish and nurture customer relationships by demonstrating product knowledge, actively listening to needs, and offering solutions or referrals
• Make product recommendations based on customer needs, highlighting features and benefits that support customers through life events, save time and money, and exceed expectations
• Use customer relationship management tools to proactively assess needs, identify solutions, and conduct outbound sales activities
• Independently resolve customer issues, errors, and problems, escalating when necessary
• Build working relationships with customers and explain detailed or complicated information
• Engage in customer outreach, servicing, and advice activities to deliver on TD’s promise of being unexpectedly human
• Conduct conversations about loan products and facilitate application intake
• Maintain active registration status with the NMLS (Nationwide Mortgage Licensing System and Registry)
• Perform teller transactions including check cashing, deposits, transfers, and withdrawals while monitoring fraud mitigation and adhering to operational policies
• Act as a point of escalation for customer questions or concerns
• Orchestrate customer flow, warmly welcome customers, discover initial needs, and guide them appropriately
• Educate customers on self-service options that align with their banking preferences
• Bring genuine self to each interaction, personalizing every banking transaction one customer at a time

Requirements

• High school diploma or GED
• 1+ years of experience working with customers or in sales in any capacity, or equivalent demonstrated through volunteering, education, or military experience
• Teller experience preferred
• Ability to complete teller training upon hire to handle customer transactions
• Demonstrated ability to engage customers while educating them on products and services
• Demonstrated organizational skills to manage multiple tasks in a fast-paced environment
• Excellent communication skills with ability to be concise, clear, and consistent
• Demonstrated ability to schedule and prioritize work
• Demonstrated ability to work independently and within deadlines
• Sound judgment in decision-making and effective problem-solving
• Proficiency in Microsoft Office
• Notary License preferred

Shareholder Accountabilities

• Ensure compliance with company guidelines and regulations such as the Bank Secrecy Act and Patriot Act to minimize risk and protect the customer
• Participate in daily store operations to align with TD’s risk framework
• Understand and apply operating policies and procedures
• Support timely and accurate completion of business processes and procedures
• Escalate non-standard or high-risk transactions/activities as necessary
• Ensure documentation is accurate and reflects client/business intentions in compliance with relevant rules and regulations
• Perform necessary due diligence to support the accuracy of all customer transactions/activities
• Knowledgeable of and comply with the Bank Code of Conduct
• Contribute to business objectives for operational excellence by understanding accountability in driving an operationally sound location
• Execute with excellence by adhering to all risk and control policies/procedures

Employee/Team Accountabilities

• Participate fully as a member of the team, supporting a positive work environment that promotes service, quality, innovation, and teamwork
• Support the team by continuously enhancing knowledge and expertise in your area and participating in knowledge transfer within the team and business unit
• Participate in personal performance management and development activities
• Keep others informed and up-to-date about the status/progress of projects and relevant information
• Contribute to a fair, positive, and equitable environment that supports a diverse workforce
• Act as a brand ambassador for your business area/function and the Bank, both internally and externally
• Utilize feedback from coaching sessions to demonstrate stronger performance
• Establish relationships with partner bankers to make effective referrals
• Contribute to a positive work environment by aligning to TD Model, Brand, and Culture
• Collaborate with team members to contribute to the success of the team and organization
• Actively seek opportunities to improve work delivery with high attention to quality standards
• Actively take ownership of your career and aspirations; seek diverse feedback to continuously develop and enhance skills
• Positively embrace change
• Adhere to and participate in TD’s Shared Commitments and code of conduct expectations
• Engage in advancing and sustaining a unique, inclusive culture that reflects TD’s diversity agenda and creates an extraordinary employee experience

Regulatory & Compliance

• This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act and the definition of Mortgage Loan Originator as defined under the SAFE Act
• Must be eligible for employment with a covered financial institution under Regulation Z
• Must be eligible for registration as a registered mortgage loan originator with the NMLS in accordance with the SAFE Act
• Satisfactory results on a criminal background check and a credit report check are required by federal law for this position

Physical Requirements

• 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 and duties are considered essential functions for ADA purposes.