Relationship Banker

Work Location:

Philadelphia, Pennsylvania, United States of America

Hours:

40

Pay Details:

$25.00 - $37.25 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. 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. 

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Personal & Commercial Banking

Job Description:

TD Premier is a Retail Program dedicated to managing and supporting the banking needs of the Mass Affluent segment.  As the face of the program, this is a critical role in growing TD Premier and delivering legendary service to a valued set of Customers. The Relationship Banker is an experienced banker who provides high level advice to a complex client portfolio of mass affluent customers. Manages the banking needs and acts as a primary contact for the mass affluent Customer segment and can connect the client to specialists and ensure all banking needs are met. The objective of the role is to grow, deepen, and retain Customer relationships by delivering TD’s model of convenience, sales, and advice, and differentiating with a personalized, connected experience.

Depth & Scope:

• Relationship Bankers work in a retail store location and will be accountable to grow, deepen, and retain strong relationships with the mass affluent client portfolio by proactively addressing their banking needs with an advice-based approach
• Demonstrates proficiency and in-depth knowledge in bank products, offerings, and processes to fluently explain banking solutions to a customer and to act as an experienced liaison with internal partners in small business, wealth, and residential mortgage
• Proactively engages in customer outreach (via phone, email, and other means) to interact with clients and/or  discuss additional opportunities which best service the customer's needs
• Acquires and retains new mass affluent customers through converting referral's, leads, and outbound prospecting
• The Relationship Banker will meet with customers and conduct needs-based conversations, review and analyze financial information, suggest appropriate product and/or service options, and coordinate introductions/interactions with appropriate partners
• The role will adhere to all relevant Retail/Wealth policies, procedures, FINRA and regulatory banking requirements
• Engages in conversations with customers about loan products; facilitates the application intake. Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry)
• Partners regularly with the Wealth Financial Advisor, which includes driving joint pipeline review meetings to prepare for future Customers interactions and to provide holistic support.
• Meets and collaborates with Wealth financial Advisor and other partners to identify areas to deepen banking relationships in Commercial, Small Business, Lending, etc.
• ​Stay informed on all developments in the TD Premier Program and be prepared to articulate/share the program details to eligible Customers.
• Provides  coaching and ongoing feedback to Retail staff on effective methods to make product referrals for mass affluent customers
• Responsible for understanding and adhering to regulations, TD Bank & TD Wealth Policies and Procedures
• Responsible for implementing TD’s Customer Identification Program (CIP) by collecting and verifying required customer identification information and performing other Customer Due Diligence and Enhanced Due Diligence Requirements as outlined in the Business Unit AML procedures

Education & Experience:

• HS Diploma or GED (required)
• Bachelor's / University degree or equivalent experience preferred
• 2+ years financial / banking experience
• SIE required, must be active and maintained
• Life & Health license preferred
• Understanding and experience with retail and small business banking; experience interacting with Mass Affluent and high net worth clients
• Consultative sales experience required

Customer Accountabilities:

• Deliver the TD Premier program to eligible Customers
• Establishes and nurtures Customer relationships by consistently displaying product knowledge, actively listening to Customer needs while engaging in conversations to identify any additional needs; offers a solution or partner referral
• Knowledgeable in products and services to be able act as an educator and advisor to Customers and non-Customers by engaging in benefit conversations that ultimately advocate for and support the Customers' needs
• Requires established Customer service skills to perform a broad range of both routine and multi-step Customer transactions
• Utilizes Customer relationship tools to engage in needs-based conversations to identify solutions
• Understands Customer preferences with banking and educates Customers & non-Customers on current promotions and campaigns as well as tools and resources to make banking easier for the Customer
• Understands and supports the Bank's Customer Service Strategy
• Delivers Customers end-to-end advice they expect: (1) building trust with educational content & tools, (2) providing consultative support, and (3) advocating for them with proactive insights & recommendations
• Considers the impact of decisions on the well-being of TD, its customers, and stakeholders
• Provides the highest level of Customer service when dealing with internal partners, vendors, or our Customers - WOW at every interaction
• Works as a single point of contact to clients by exploring various products or services and connecting the client with partners as needed

Shareholder Accountabilities:

• Contributes to business objectives for Operational Excellence by championing and reviewing team against compliance with regulations; fully understanding accountability in driving an operationally sound location
• Ensures documentation that is prepared / completed is accurate and properly reflects Customer / business intentions and is consistent with relevant rules / regulations
• Applies Compliance policies and regulations to all transactions to ensure integrity of proper compliance with all documentation that operational requirements are followed and that the appropriate documentation is recorded
• Engages in conversations with customer regarding loan applications, prepares documents, and conducts loan closings
• Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry)
• Meets individual / Store performance metrics

Employee/Team Accountabilities:

• Contributes to a positive work environment by aligning to TD Model, Brand, and Culture by participating fully as a member of the team
• Is an active participant 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
• 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 and participates in TD's Shared Commitments
• Models quality service at every Customer interaction
• Is 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
• The role is expected to lead continuous coaching in assigned Retail Stores on all topics supporting the growth of the Mass Affluent segment portfolio/  book of business

OCC Language:

• 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

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• 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 & duties are considered essential functions for ADA purposes.

Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. 

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Our Total Rewards Package

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) and several other key plans such as 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, and reward and recognition. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.

If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [email protected].  Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.