Retail Banker II - Bayville (40 hour)
TD Securities, Berkeley Heights, New Jersey, United States
Overview
The Retail Banker II is a customer liaison that is integral to delivering TD’s Brand promise by utilizing financial expertise and consultative advice in advising customers regarding 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.
Depth & Scope
Acts as a subject matter expert in the store for both customers and colleagues regarding all products, services, policies, and procedures of TD, especially personal and business banking.
Requires broad knowledge of the full product suite, services and processes of the business area; moderate complexity/risk.
Makes product recommendations based on customer needs and highlights features and benefits that support customers through life events, save time and money, and exceed needs.
Establishes and nurtures customer relationships by displaying product knowledge, actively listening to customer needs, and offering solutions or partner referrals.
Uses Customer Relationship Management tools to proactively assess customers, identify solutions, and lead outbound sales activities.
Evaluates issues based on existing practices and resolves problems, escalating when necessary.
Explains detailed and/or complicated information within the team.
Builds working relationships with customers and related teams.
Requires full proficiency gained through job-related training to perform a range of activities.
Participates in customer outreach, servicing and advice activities to deliver on our unexpectedly human promise.
Engages in conversations about loan products and facilitates the application intake.
Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
Education & Experience
HS Diploma or GED required; 2 year degree preferred.
2+ years of related experience working with customers and/or sales in any capacity.
Teller experience (Preferred).
Cross trained to take customer transactions upon hire.
Superior customer service skills.
Strong organization skills to handle multiple tasks in a fast-paced environment.
Excellent communication skills with ability to be concise, clear and consistent.
Demonstrated effective problem-solving skills.
Demonstrated ability to schedule and prioritize work.
Demonstrated ability to work independently and within deadlines.
Proficient in Microsoft Office.
Ability to provide community services, including, but not limited to, financial education classes.
Notary license (Preferred).
Customer Accountabilities
Delivers Legendary Experience by helping customers, building relationships, delivering service and advice to TD customers.
Understands and supports the Bank's Customer Service Strategy; delivers end-to-end advice with trust-building educational content, consultative support, and proactive insights and recommendations.
Serves as a customer advocate, providing resolution, proactive tips and insights to save time and money.
Executes appropriate behaviors to deliver a Legendary customer experience in the store through problem resolution or sound advice.
Engages in lobby leadership by guiding customer flow, welcoming customers, discovering needs and directing them appropriately.
Understands customer preferences with banking options and educates on self-service channels that meet needs.
May act as a point of escalation for customer questions or concerns.
May perform teller transactions including check cashing, deposits, transfers and withdrawals while monitoring for fraud and adhering to policies.
Considers the impact of decisions on TD, its customers and stakeholders.
Provides high-level customer service when dealing with internal partners, vendors or customers.
Improves customer financial confidence by sharing knowledge to help customers meet and exceed goals.
Acts as a brand champion internally and externally.
Champions customer service activities and supports customers through challenging times and life events.
Recognizes transaction needs and educates clients on self-service channels including digital options.
Brings your genuine self to personal interactions and provides end-to-end financial guidance with real-time insights.
Delivers end-to-end advice to customers by providing information and tools for financial management to help achieve goals.
Shareholder Accountabilities
Ensures compliance with company guidelines and regulations such as Bank Secrecy Act and Patriot Act to minimize risk and protect customers.
Promotes the full suite of products, sales, services and banking capabilities.
Understands and applies operating policies and procedures.
Supports timely and accurate completion of business processes and procedures.
Escalates non-standard or high-risk transactions as necessary.
Ensures documentation is accurate and reflects client/business intentions in line with rules and regulations.
Performs due diligence to support transaction accuracy.
Complies with Bank Code of Conduct.
Contributes to operational excellence by understanding accountability for an operationally sound location.
Executes with excellence by adhering to risk and control policies and procedures.
Employee/Team Accountabilities
Participates as a member of the team, supporting a positive environment focused on service, quality, innovation and teamwork.
Continuously enhances knowledge and participates in knowledge transfer within the team.
Participates in performance management and development activities.
Keeps others informed about project status and day-to-day activities.
Contributes to a fair, positive and equitable environment supporting a diverse workforce.
Acts as a brand ambassador for the business area/function and the Bank.
Uses feedback to improve performance and demonstrates stronger results.
Establishes relationships with partner bankers for referrals.
Collaborates with team members to contribute to success and quality delivery.
Actively seeks opportunities to improve delivery with high attention to quality standards.
Accepts feedback and pursues ongoing development of skills and career goals.
Positively embraces change and aligns with TD's commitments and code of conduct.
OCC Language
This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, and related SAFE Act definitions.
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 under the SAFE Act.
Criminal background and credit checks 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
Reaching overhead – Occasional
Reaching forward – Occasional
Pushing – Occasional
Concentrating for long periods of time – Continuous
Applying common sense to problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Performing basic arithmetic – Continuous
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. TD aims to make every interaction, product, and experience remarkably human and simple for millions of households and businesses worldwide. TD is committed to client experience and believes all colleagues contribute to client-facing service.
Our Total Rewards Package Our Total Rewards package reflects investments in colleagues\' financial, physical and mental well-being, including base salary, incentive opportunities, health and retirement benefits, paid time off, banking benefits and discounts, career development, and recognition programs.
Additional Information We\'re excited you\'re considering a career with TD. Regular development conversations, training programs and a competitive benefits plan support colleagues both at work and at home.
Colleague Development If you\'re pursuing a specific career path or skill-building, TD offers regular career, development and performance conversations, access to online learning, and mentoring programs to help unlock future opportunities.
Training & Onboarding TD will provide training and onboarding sessions to ensure you have what you need to succeed in your new role.
Interview Process We will contact candidates of interest to schedule an interview and strive to communicate outcomes to all applicants by email or phone.
Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status or any other protected characteristic. If you require accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com with your name, best way to reach you, and the accommodation needed.
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Depth & Scope
Acts as a subject matter expert in the store for both customers and colleagues regarding all products, services, policies, and procedures of TD, especially personal and business banking.
Requires broad knowledge of the full product suite, services and processes of the business area; moderate complexity/risk.
Makes product recommendations based on customer needs and highlights features and benefits that support customers through life events, save time and money, and exceed needs.
Establishes and nurtures customer relationships by displaying product knowledge, actively listening to customer needs, and offering solutions or partner referrals.
Uses Customer Relationship Management tools to proactively assess customers, identify solutions, and lead outbound sales activities.
Evaluates issues based on existing practices and resolves problems, escalating when necessary.
Explains detailed and/or complicated information within the team.
Builds working relationships with customers and related teams.
Requires full proficiency gained through job-related training to perform a range of activities.
Participates in customer outreach, servicing and advice activities to deliver on our unexpectedly human promise.
Engages in conversations about loan products and facilitates the application intake.
Must maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry).
Education & Experience
HS Diploma or GED required; 2 year degree preferred.
2+ years of related experience working with customers and/or sales in any capacity.
Teller experience (Preferred).
Cross trained to take customer transactions upon hire.
Superior customer service skills.
Strong organization skills to handle multiple tasks in a fast-paced environment.
Excellent communication skills with ability to be concise, clear and consistent.
Demonstrated effective problem-solving skills.
Demonstrated ability to schedule and prioritize work.
Demonstrated ability to work independently and within deadlines.
Proficient in Microsoft Office.
Ability to provide community services, including, but not limited to, financial education classes.
Notary license (Preferred).
Customer Accountabilities
Delivers Legendary Experience by helping customers, building relationships, delivering service and advice to TD customers.
Understands and supports the Bank's Customer Service Strategy; delivers end-to-end advice with trust-building educational content, consultative support, and proactive insights and recommendations.
Serves as a customer advocate, providing resolution, proactive tips and insights to save time and money.
Executes appropriate behaviors to deliver a Legendary customer experience in the store through problem resolution or sound advice.
Engages in lobby leadership by guiding customer flow, welcoming customers, discovering needs and directing them appropriately.
Understands customer preferences with banking options and educates on self-service channels that meet needs.
May act as a point of escalation for customer questions or concerns.
May perform teller transactions including check cashing, deposits, transfers and withdrawals while monitoring for fraud and adhering to policies.
Considers the impact of decisions on TD, its customers and stakeholders.
Provides high-level customer service when dealing with internal partners, vendors or customers.
Improves customer financial confidence by sharing knowledge to help customers meet and exceed goals.
Acts as a brand champion internally and externally.
Champions customer service activities and supports customers through challenging times and life events.
Recognizes transaction needs and educates clients on self-service channels including digital options.
Brings your genuine self to personal interactions and provides end-to-end financial guidance with real-time insights.
Delivers end-to-end advice to customers by providing information and tools for financial management to help achieve goals.
Shareholder Accountabilities
Ensures compliance with company guidelines and regulations such as Bank Secrecy Act and Patriot Act to minimize risk and protect customers.
Promotes the full suite of products, sales, services and banking capabilities.
Understands and applies operating policies and procedures.
Supports timely and accurate completion of business processes and procedures.
Escalates non-standard or high-risk transactions as necessary.
Ensures documentation is accurate and reflects client/business intentions in line with rules and regulations.
Performs due diligence to support transaction accuracy.
Complies with Bank Code of Conduct.
Contributes to operational excellence by understanding accountability for an operationally sound location.
Executes with excellence by adhering to risk and control policies and procedures.
Employee/Team Accountabilities
Participates as a member of the team, supporting a positive environment focused on service, quality, innovation and teamwork.
Continuously enhances knowledge and participates in knowledge transfer within the team.
Participates in performance management and development activities.
Keeps others informed about project status and day-to-day activities.
Contributes to a fair, positive and equitable environment supporting a diverse workforce.
Acts as a brand ambassador for the business area/function and the Bank.
Uses feedback to improve performance and demonstrates stronger results.
Establishes relationships with partner bankers for referrals.
Collaborates with team members to contribute to success and quality delivery.
Actively seeks opportunities to improve delivery with high attention to quality standards.
Accepts feedback and pursues ongoing development of skills and career goals.
Positively embraces change and aligns with TD's commitments and code of conduct.
OCC Language
This position falls within the definition of Loan Originator as defined under Regulation Z of the Truth in Lending Act, and related SAFE Act definitions.
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 under the SAFE Act.
Criminal background and credit checks 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
Reaching overhead – Occasional
Reaching forward – Occasional
Pushing – Occasional
Concentrating for long periods of time – Continuous
Applying common sense to problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Performing basic arithmetic – Continuous
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. TD aims to make every interaction, product, and experience remarkably human and simple for millions of households and businesses worldwide. TD is committed to client experience and believes all colleagues contribute to client-facing service.
Our Total Rewards Package Our Total Rewards package reflects investments in colleagues\' financial, physical and mental well-being, including base salary, incentive opportunities, health and retirement benefits, paid time off, banking benefits and discounts, career development, and recognition programs.
Additional Information We\'re excited you\'re considering a career with TD. Regular development conversations, training programs and a competitive benefits plan support colleagues both at work and at home.
Colleague Development If you\'re pursuing a specific career path or skill-building, TD offers regular career, development and performance conversations, access to online learning, and mentoring programs to help unlock future opportunities.
Training & Onboarding TD will provide training and onboarding sessions to ensure you have what you need to succeed in your new role.
Interview Process We will contact candidates of interest to schedule an interview and strive to communicate outcomes to all applicants by email or phone.
Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status or any other protected characteristic. If you require accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com with your name, best way to reach you, and the accommodation needed.
#J-18808-Ljbffr