Retail Banker I (40) North Charleston

Work Location: North Charleston, South Carolina, United States of America • Hours: 40

About the role

The Retail Banker I is a customer liaison that is integral to delivering TD’s Brand promise by utilizing financial expertise and consultative advice to assist Customers with their banking solutions/needs. This role contributes to the achievement of business objectives that enable growth through identifying appropriate TD solutions that help Customers achieve their financial goals and optimize their relationship with TD.

Requires a broad knowledge and understanding of the full product suite, services, and processes of the business area, characterized by low to moderate complexity/risk. Establishes and nurtures Customer relationships by displaying product knowledge, actively listening to Customer needs, and engaging in additional conversation to identify any additional needs and offer solutions or partner referrals.

Responsibilities

• Make product recommendations based on Customer needs and highlight product features and benefits that support Customers through challenging times and life events, save time and money, and exceed their needs.
• Utilize Customer relationship management tools to proactively play a key role in customer assessments, identify Customer solutions, and lead-focused outbound sales activities.
• Independently resolve customer issues, errors, and problems, escalating when necessary.
• Build working relationships with customers and explain detailed and/or complicated information.
• Participate in Customer outreach, servicing, and advice activities to deliver on TD’s unexpectedly human promise.
• Engage in conversations with customers about loan products and facilitate application intake.
• Maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
• Deliver a Legendary Customer experience by helping customers, building relationships, and providing service and advice.
• Understand and support the Bank’s Customer Service Strategy; deliver end-to-end advice by (1) building trust with educational content & tools, (2) providing consultative support, and (3) advocating for customers with proactive insights & recommendations.
• Serve as a Customer advocate in improving customer financial confidence, providing resolution, and offering proactive tips and insights on saving time and money.
• Consistently execute appropriate behaviors to deliver a Legendary Customer experience that is unexpectedly human through effective problem resolution or providing sound advice.
• Engage in lobby leadership by orchestrating customer flow, warmly welcoming customers, discovering initial needs, and guiding them appropriately.
• Understand customer preferences with banking (when and how they want) and educate customers on self-service options that meet their needs.
• Act as a point of escalation for Customer questions or concerns.
• Perform a variety of (teller) transactions including check cashing, deposits, transfers, and withdrawals while monitoring fraud mitigation and adhering to operational policies and procedures.
• Consider the impact of decisions on the well-being of TD, its Customers, and stakeholders.
• Act as a brand champion both internally and externally.
• Recognize transaction needs and educate clients on self-service channels including digital options.
• Bring a genuine self and turn each banking transaction into a personalized interaction.
• Ensure compliance when completing operational activities in accordance with company guidelines and regulations such as the Bank Secrecy Act and Patriot Act to minimize risk and protect the customer.
• Participate in the Store’s daily operations to ensure alignment with TD’s risk framework.
• Understand and apply operating policies and procedures.
• Support the timely and accurate completion of business processes and procedures.
• Escalate non-standard or high-risk transactions/activities as necessary.
• Ensure documentation prepared/completed is accurate and properly reflects client/business intentions and is consistent with relevant rules/regulations.
• Ensure necessary due diligence to support the accuracy of all customer transactions/activities.
• Comply with the Bank Code of Conduct.
• Contribute to business objectives for Operational Excellence by fully understanding accountability in driving an operationally sound location.
• Execute with excellence by adhering to all risk and control policies/procedures.
• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation, and teamwork, and ensure timely communication of issues/points of interest.
• Continuously enhance knowledge/expertise in own area and participate 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/or all relevant or useful information related to day-to-day activities.
• 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/or externally.
• Utilize feedback through coaching sessions to demonstrate stronger performance.
• Establish relationships with partner bankers to make effective referrals to them.
• Collaborate with team members in contributing to the success of the team and organization.
• Actively seek opportunities to improve delivery of work with high attention to quality standards.
• Actively take ownership of own career and aspirations, seeking out 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.

Requirements

• High School Diploma or GED.
• 1+ years' experience working with customers and/or sales in any capacity or equivalent demonstrated through volunteering, education, or military experience (preferred).
• Teller experience preferred.
• Must be able to complete teller training upon hire to take customer transactions.
• Demonstrated ability to engage in customer conversations while educating them on products and services (preferred).
• Demonstrated organization skills to handle multiple tasks in a fast-paced environment.
• Excellent communication skills with the 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.
• Proficient in Microsoft Office.
• Notary License (Preferred).
• Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
• 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.

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: Continuous (67-100%)
• Sitting: Frequent (34-66%)
• Standing: Frequent (34-66%)
• 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%)

Pay

$22.50 - $29.00 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.