Relationship Banker I

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:

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
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
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
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
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
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 – 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 & duties are considered essential functions for ADA purposes.