Retail Banking Representative

Job Description:Retail Banking Representative

The Retail Banking Representative is a customer liaison integral to delivering TD's Brand promise by utilizing financial expertise and consultative advice to assist Customers with their banking needs. This role contributes to business growth by identifying appropriate TD solutions that help Customers achieve financial goals and optimize their relationship with TD.

Qualifications:

• A high school diploma and GED serve as equal benchmarks for educational accomplishment beyond the primary level.
• Displaying a background in customer service or sales that exceeds one year (volunteering, educational experiences, or military service can be used as substitutes).
• Teller experience preferred.
• Must successfully pass through teller training process.
• Essential requirements include the ability to effectively engage with customers and provide comprehensive product education.
• Exceptional organizational proficiency; capable of multitasking in fast-paced conditions.
• Demonstrating concise, coherent, and unambiguous communication skills.
• Proficiency in prioritizing, meeting timeframes, and working with self-reliance.
• Demonstrating effective analytical skills and adept at finding solutions pragmatically.
• Competency in Microsoft Office proficiency.
• Notary License preferred.

Key Responsibilities:

Nurturing Customer Engagement and Strengthening Connections: This wording conveys the nurturing aspect of maintaining customer engagement and reinforcing the connections with them:

• Creates and maintains customer bonds by exhibiting product knowledge and attentively catering to customer needs.
• Interacts actively to identify extra needs and offer solutions or references accordingly.
• Provides tailored suggestions for products that meet customer needs, emphasizing the advantages and features they offer.
• Leverages CRM applications to foresee and recommend solutions, provide assessment support, and engage in outbound sales activities.
• Addresses customer problems and errors independently, escalating when necessary.
• Forms effective partnerships and simplifies detailed or complex explanations.
• Engages in activities related to customer outreach, servicing, and advice provision to fulfill TD's commitment to delivering unexpectedly authentic interactions.
• Facilitates customer engagement on loan offerings and supports in the collection of application intake.
• Acts as a customer ally, sharing proactive strategies for saving time and maintaining financial efficiency.
• Enhances authenticity by customizing and personalizing every customer interaction.

Achieving excellence in service delivery and enhancing overall customer experiences play a vital role in Service Excellence and Customer Experience:

• Champions legendary customer service by emphasizing guidance and relationship building.
• Helps bolster TD's customer service strategy by building trust, offering consultative guidance, and providing proactive recommendations.
• Functions as a higher tier of support for addressing customer inquiries or problems.
• Demonstrates lobby leadership by controlling customer movement, welcoming clients, and guiding the exploration of their needs.
• Offers advice to consumers on digital and self-service alternatives that align with their choices.
• Demonstrates a commitment to service delivery that is unexpectedly empathetic and personal.

Sales & Solutions:

• Understands customer transaction needs and provides education on utilizing self-service channels, including digital platforms.
• Strengthens partnerships with bank colleagues to ensure seamless client referrals.
• Contributes to tasks related to loans in accordance with the categorization of Mortgage Loan Originator under the Regulation Z and the SAFE Act.
• Risk management operations involve the implementation of strategies and protocols to identify, assess, and respond to potential risks effectively
• Tellers are able to engage in various transactions, including check cashing, depositing funds, withdrawing money, and transferring finances.
• Abides by fraud prevention protocols and operational procedures.
• A vital step upon hire is to enroll in teller training to efficiently manage Customer transactions.

Teamwork & Culture:

• Works effectively as a team contributor, promoting a constructive work atmosphere that inspires excellence, originality, and collaboration.
• Enhances expertise and collaborates in knowledge-sharing endeavors.
• Takes part in managing performance, participating in developmental undertakings, and pursuing career growth.
• Proactively notifies stakeholders of any developments and progress that are essential for them to know.
• Upholds the importance of promoting a workplace culture that is diverse, equitable, and inclusive.
• Assumes the role of a brand promoter, fostering positive associations and recognition.
• Drives performance improvements through the use of coaching feedback.
• Embraces change positively.

Physical Requirements:

• Continuous sedentary tasks necessitate prolonged periods of sitting without frequent breaks for movement
• Balancing multiple tasks simultaneously - Continuous
• Regular operation of standard office equipment - Continuous
• Fast responses to auditory prompts - Perpetual
• Sitting - Frequent
• Standing - Frequent
• Walking - Occasional
• Securely traversing limited areas - Every now and then
• Now and then, moving loads that are 25 pounds or lighter
• Periodically required to lift or carry heavy objects exceeding 25 lbs
• Squatting - Occasional

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