Relationship Banker

Relationship Banker

About TD Bank:

TD is one of the world's leading global financial institutions and the fifth largest bank in North America by branches. We deliver legendary customer experiences to over 27 million households and businesses and globally. With over 95,000 colleagues, TD is guided by its vision to Be the Better Bank and its purpose to enrich the lives of customers, communities, and colleagues.

Job Overview:

The Relationship Banker is a banking professional who plays a key role in delivering TD's Brand promise at a Store location. The role is accountable for accurately completing everyday banking transactions while providing advice and educational support on services, products, and tools that help customers achieve their financial goals.

Qualifications:

• The job requires all applicants to have either a high school diploma or GED.
• Candidates with 1 year of customer-facing experience are desired (volunteer work, education, or military background accepted).
• Effective customer service skills are a preferred asset.
• Teller experience preferred.
• Capability to adhere to the work schedule that may include evenings, weekends, and holidays.
• New employees are expected to complete both Teller training and the initial segment of platform training upon commencement.
• Demonstrates strong competency in coordinating activities and handling multiple tasks simultaneously in a fast-paced atmosphere.
• Exceptional communication prowess (brief, transparent, and cohesive).
• Proficient at troubleshooting and adept at managing tasks based on their importance.
• Showing the aptitude to carry out tasks independently and fulfill designated due dates.
• Demonstrating good decision-making skills is important in various situations.
• Proficient at working with Microsoft Office tools.
• Notary License preferred.

Successful Customer Engagement & Relationship Management requires businesses to tailor their approach to each customer, understanding their unique preferences and behaviors:

• Engages with clientele, offers financial insights, and fosters relationships via lead management efforts.
• Develops and maintains customer relationships with attentive listening and thorough knowledge of the products.
• Pinpoints opportunities for promoting and educating on products and services or recommending the suitable partner.
• Oversees the first interaction with inquiries, coordination of lobby operations, and facilitation of customer visits.
• Assists in scheduling and managing appointments, rearranging meetings when necessary, and coordinating banker availability.
• Supports clients in account opening/closing processes, using digital banking resources, troubleshooting card problems, and managing basic service requests.

Sales, service, and banking operations are integral components of managing a bank's daily activities, ensuring smooth customer service and efficient financial transactions:

• Proficiently handles regular transactions at the teller line and platform.
• Manages and maintains individual deposit accounts while also dealing with concerns related to debit and credit cards.
• Involves in outreach efforts to connect with customers, including reaching out through phone calls, sending SMS messages, pursuing leads from campaigns, and creating leads personally.
• Always delivers remarkable service while raising awareness, educating, and suggesting TD items.
• Channels customers to Store colleagues and partners for complex financial inquiries.

The pillars of risk management include risk mitigation, regulatory adherence, and control implementation:

• Guarantees compliance with all operational policies and regulatory stipulations.
• Adheres to customer verification policies, performs rigorous due diligence checks, and follows regulatory guidelines for processing transactions and opening accounts.
• Safeguards customer information by upholding strict confidentiality and adhering to prescribed bank security policies.
• Administers cash tills, protects cash reserves, adheres to cash limits, and implements dual control measures.
• Validates the accurate record-keeping in compliance with guidelines, important deadlines, and internal supervision.
• Successfully finishes training programs that address compliance and regulatory obligations specific to the role.

Operational Excellence:

• Endorses TD's customer service plan while ensuring decisions are made with consideration for the well-being of customers and stakeholders.
• Engages in managing store operations to ensure alignment with TD's risk framework.
• Adheres to all audit, risk, and regulatory protocols, offering precise answers to inquiries.
• Ensures that activities are carried out in compliance with established protocols and displays effective decision-making skills.
• Sets a standard of excellence in customer service during each interaction.

Cognitive Requirements:

• Uninterrupted focus over an extended time frame - Persistent
• Implementing rational thinking to continuous issues - Endless
• Absorbing and transcribing instructions - Flowing
• Primary math manipulations (addition, subtraction, multiplication, division) – Endless

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