Full Time Retail Banker I Central Ave. Albany, NY

Retail Banker I

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

Hours: 40

Pay Details: $21.00 - $26.25 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 are designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay 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 more specific details for this role.

Line of Business: Personal & Commercial Banking

Job Description

The Retail Banker I is a customer liaison 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 by identifying appropriate TD solutions to 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 the appropriate team member 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 displaying product knowledge, actively listening to customer needs, and identifying additional needs to offer a solution or partner referral
• Makes product recommendations based on customer needs and highlights product features and benefits that support customers through challenging times and life events, saving time and money, and exceeding their needs
• Utilizes customer relationship management tools to proactively participate in customer assessments and lead-focused outbound sales activities
• Independently resolves customer issues and problems, escalating when necessary
• Builds working relationships with customers and explains detailed and/or complicated information
• Requires full proficiency gained through related training to perform a range of activities
• Participates in customer outreach, servicing and advisory activities to deliver on the 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 process 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: education and tools, consultative support, and proactive insights and recommendations
• Acts as a customer advocate by improving financial confidence, providing resolutions, and offering proactive tips
• Executes appropriate behaviors to deliver a legendary customer experience in-store through problem resolution or sound advice
• Manages lobby flow, warmly welcomes customers, discovers initial needs and guides customers appropriately
• Understands customer preferences with banking needs and educates on self-service options that meet those 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 fraud mitigation and adhering to policies
• Considers the impact of decisions on TD, its customers and stakeholders
• Acts as a brand champion both internally and externally
• Educates clients on self-service channels including digital options
• Brings genuine self to each banking transaction, making it a personalized interaction, one customer at a time

Shareholder Accountabilities

• Ensures compliance with company guidelines and regulations (e.g., Bank Secrecy Act, Patriot Act) to minimize risk and protect customers
• 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 and procedures
• Escalates non-standard or high-risk transactions/activities as necessary
• Ensures documentation reflects client/business intentions and complies with rules/regulations
• Performs due diligence to support accuracy of all customer transactions/activities
• Knowledgeable of and compliant with Bank Code of Conduct
• Contributes to Operational Excellence by understanding accountability in driving an operationally sound location
• Adheres to risk and control policies/procedures

Employee/Team Accountabilities

• Participates fully as a team member, supporting a positive environment that promotes service, quality, innovation and teamwork
• Continuously enhances knowledge and participates in knowledge transfer within the team and business unit
• Participates in personal performance management and development activities
• Keeps others informed about project status and day-to-day activities
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand ambassador for the business area/function and the Bank
• Uses feedback from coaching to improve performance
• Establishes relationships with partner bankers to facilitate effective referrals
• Contributes to a positive work environment by aligning with TD’s model, brand and culture
• Collaborates with team members toward team and organizational success
• Seeks opportunities to improve delivery of work with high quality standards
• Takes ownership of career and aspirations, seeking diverse feedback to develop skills
• Embraces change
• Adheres to TD’s Shared Commitments and code of conduct expectations
• Engages in advancing 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 of the Truth in Lending Act, 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
• Satisfactory results on a criminal background check and a credit report check, and certification of any findings, are required by federal law

Physical Requirements

Environment involves various physical activities and travel as described below. The percentage indicates typical time spent in each activity:

• 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 – Continuous
• Applying common sense to standard problems – Continuous
• Reading, writing and comprehending instructions – Continuous
• Mathematical operations – Continuous

The above statements describe the general nature and level of work and are not an exhaustive list of responsibilities. Essential functions are listed for ADA purposes.

Who We Are

TD is one of the world’s leading global financial institutions and the fifth largest bank in North America by branches/stores. We strive to make every interaction, product, and experience remarkably human and refreshingly simple for millions of households and businesses worldwide. More than 95,000 TD colleagues bring their skills and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is committed to being a leader in client experience and believes all colleagues are client facing. We are reimagining what banking can be for clients, colleagues and communities.

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 includes base salary and variable compensation/awards (e.g., eligibility for cash and/or equity incentive awards) and other plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and recognition. Learn more

Additional Information

We’re delighted you’re considering 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.

If you’re interested in a specific career path or want to build certain skills, we’ll help you succeed with regular career, development, and performance conversations, access to an online learning platform, and mentoring programs to unlock future opportunities.

TD offers diverse career paths to grow your expertise and make a meaningful impact. We are committed to success and a respectful workplace where diverse perspectives are valued, opportunities to grow are fair, and you can achieve your career goals. We hire and develop the best.

Training & Onboarding

We provide training and onboarding sessions to ensure you have what you need to succeed in your new role.

Interview Process

We will reach out to candidates of interest to schedule an interview. We aim to communicate outcomes to all applicants by email or phone.

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 by law.

If you are an applicant with a disability and need accommodations to complete the application process, please email USWAPTDO@td.com with your full name, the best way to reach you, and the accommodation needed.