TD Bank

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.. May perform a variety of (teller) transactions including check cashing, deposits, transfers and withdrawals while monitoring fraud mitigation and adhering to established operational policies and procedures. 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.. 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.. 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.

retail banker

Now hiring in Concord, NH

Work Location:




Concord, New Hampshire




Hours:




40




Pay Details:




$22.75 - $30.00 USD




TD is committed to providing fair and equitable compensation opportunities to all colleagues. The included salary range for this role takes into account multiple factors that are considered in making compensation decisions. The base pay actually offered may vary based upon candidate's skills and experience, job-related knowledge, licensure and certifications, geographic location, and other specific business and organizational needs. As TD puts career development at the forefront of our colleague experience, it is not typical for an individual to be hired at or near the top of the range for their role.




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:




Services bancaires personnels et commerciaux




Job Description:




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 regarding both personal banking and business banking


Requires a broad knowledge and understanding of the full product suite, services and processes of business area, and could be characterized by moderate complexity/risk


Makes product recommendations based on Customer needs and highlights product features and benefits that ultimately support Customers through challenging times and life events, save time and money, and exceed their needs


Utilizes Customer Relationship Management tools to proactively play a key role in Customer assessments, proactively identifies Customer solutions and lead-focused outbound sales activities


Evaluates issues, errors and problems based on practices and existing precedents or procedures


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 with customers about loan products, 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 required


Teller experience (Preferred)


Cross trained to take customer transactions


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 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


Serves as a Customer advocate in providing Customer resolution, proactive tips and insights on saving time & money


Consistently executes appropriate behaviors to deliver a Legendary Customer experience that is unexpectedly human in the Store through either effective problem resolution or providing sound advice that yields a solution


Establishes and nurtures Customer relationships by consistently displaying product knowledge, actively listening to Customer needs while engaging in additional conversation to identify any additional needs and offer a solution or partner referral


Utilizes the Customer relationship management tools to understand and gather Customer information to allow for Customer insights to be built to yield a deeper Customer experience and journey


Engages in lobby leadership by orchestrating Customer flow, warmly welcome, discover initial needs and guides Customer appropriately


Understands Customer preferences with banking (when and how they want) and educates Customers on self-service options that meet their needs


May act as a point of escalation for Customer questions or concerns


May perform a variety of (teller) transactions including check cashing, deposits, transfers and withdrawals while monitoring fraud mitigation and adhering to established operational policies and procedures


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 opportunity


Improves Customer financial confidence by sharing financial knowledge to help Customers meet and exceed their financial goals


Acts as a brand champion both internally and externally


Champions Customer service activities; supporting Customers through challenging times and life events


Recognizes transaction needs of clients and educates clients on self-service channels including digital options


Brings your genuine self and turns each banking transaction into a personalized interaction, one Customer at a time


Delivers end to end advice to Customers by providing information and tools for financial management that helps Customers achieve their goals, and provides real time insights




Shareholder Accountabilities:




Promotes full suite of products, sales, services and banking capabilities


Understands and applies operating policies and procedures


Supports the timely and accurate completion of business processes and procedures


Escalates non-standard or high risk transactions/activities as necessary


Ensures documentation that is prepared/completed is accurate and properly reflects client/business intentions and is consistent with relevant rules/regulations


Ensures necessary due diligence to support the accuracy of all customer transactions/activities


Be knowledgeable of and complies with Bank Code of Conduct


Contributes to business objectives for Operational Excellence by fully understanding accountability in driving an operationally sound location


Executes with excellence by adhering to all Risk and Control Policies and Procedures




Employee/Team Accountabilities:




Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest


Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit


Participates in personal performance management and development activities


Keeps 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


Contributes to a fair, positive and equitable environment that supports a diverse workforce


Acts as a brand ambassador for your business area/function and the Bank, both internally and/or externally


Utilizes feedback through coaching sessions to demonstrate stronger performance


Establishes relationships with partner bankers to make effective referrals to them


Contributes to a positive work environment by aligning to TD Model, Brand and Culture by participating fully as a member of the team


Collaborates with team members in contributing to the success of the team and organization


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 and code of conduct expectations




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 – Frequent


Standing – Frequent


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 – Occasional


Crawling – Never


Climbing – Never


Reaching overhead – Occasional


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




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




All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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