Retail Banker I (50th & Broadway)

Job Description

Work Location: New York, New York, United States of America

Hours: 40 per week

Pay Details: $24.25 - $32.50 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

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.

Depth & Scope

• Proficient in products, services and routine transactions to identify opportunities to educate on bank products and services to Customers and/or refer them to appropriate team members or internal bank partners, while ensuring a positive Customer experience
• Broad knowledge and understanding of the full product suite, services and processes of the business area; low to moderate complexity/risk
• Establishes and nurtures Customer relationships by consistently displaying product knowledge, actively listening to Customer needs and offering solutions or partner referrals
• Makes product recommendations based on Customer needs and highlights features and benefits that support Customers through life events, save time and money, and exceed their needs
• Uses Customer relationship management tools to proactively participate in customer assessments, identify solutions, and lead-focused outbound sales activities
• Independently resolves customer issues and problems, escalating when necessary
• Builds working relationships with customers and explains detailed or complicated information
• Finishes required 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 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
• 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 organizational 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)

Customer Accountabilities

• Delivers Legendary experience by helping customers, building relationships, and delivering service and advice
• Understands and supports the Bank's Customer Service Strategy; delivers end-to-end advice: building trust with educational content and tools, providing consultative support, and advocating with proactive insights and recommendations
• Serves as a Customer advocate in improving financial confidence, providing resolution, proactive tips and insights on saving time and money
• Maintains the Legendary Customer experience in the Store through effective problem resolution or sound advice
• Manages lobby flow, warmly welcomes customers, discovers initial needs, and guides them appropriately
• Understands customer preferences with banking and educates customers on self-service options
• 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 policies
• Considers the impact of decisions on the well-being of TD, its Customers and stakeholders
• Acts as a brand champion both internally and externally
• Educates clients on self-service channels including digital options
• Brings your genuine self and makes each banking transaction a personalized interaction

Shareholder Accountabilities

• Ensures compliance with company guidelines and regulations (e.g., Bank Secrecy Act, Patriot Act) to minimize risk
• Participates in daily Store operations to align with TD's risk framework
• Understands and applies operating policies and procedures
• Supports timely and accurate completion of business processes
• Escalates non-standard or high-risk transactions/activities as necessary
• Ensures documentation reflects client/business intentions and complies with relevant rules/regulations
• Ensures due diligence to support accuracy of all customer transactions/activities
• Complies with Bank Code of Conduct
• Contributes to Operational Excellence by understanding accountability in an operationally sound location
• Executes with excellence by adhering to risk and control policies/procedures

Employee/Team Accountabilities

• Participates fully as a team member, supporting a positive environment focused on service, quality, innovation and teamwork
• Continuously enhances knowledge in own area and participates in knowledge transfer
• Engages in personal performance management and development activities
• Keeps others informed about project status and day-to-day activities
• Promotes a fair, positive and equitable environment that supports diversity
• Acts as a brand ambassador for the business area/function and the Bank
• Uses feedback from coaching to demonstrate stronger performance
• Establishes relationships with partner bankers to facilitate referrals
• Contributes to a positive work environment by aligning with TD Model, Brand and Culture
• Collaborates with team members to contribute to team and organizational success
• Seeks opportunities to improve delivery of work with high-quality standards
• Owns career development, seeks diverse feedback, and develops skills
• Positively embraces change
• Adheres to TD's Shared Commitments and code of conduct
• Supports an inclusive culture that reflects TD's diversity agenda and creates an extraordinary employee experience

OCC Language

• This position falls within the definition of Loan Originator under Regulation Z and the definition of Mortgage Loan Originator under the SAFE Act
• 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 (SAFE Act)
• Satisfactory results on a criminal background check and a credit check, and statements/certifications regarding applicable findings, are required by federal law

Physical Requirements

The following outlines the general expectations for physical activities associated with this role. Note: percentages indicate approximate time spent on each activity.

• Never to Occasional: travel, standing, walking, lifting (under 25 lbs), bending, kneeling, crouching, crawling, reaching overhead
• Frequent: sitting
• Continuous: concentrating for long periods, applying common sense to problems, reading/writing/comprehension, basic arithmetic

The above statements are intended to describe the general nature and level of work performed by people assigned to this job. They are