Work Location:

Hackensack, New Jersey, United States of America

Hours:

40

Line of Business:

Personal & Commercial Banking

Pay Detail:

$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.

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 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:

Proficient in products, services and routine transactions in order to identify opportunities to educate on Bank products and services to Customers and/or refer them to appropriate team member or internal Bank partners, while ensuring a positive Customer experienceRequires a broad knowledge and understanding of the full product suite, services and processes of business area, and could be characterized by low to 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 needsUtilizes Customer Relationship Management tools to proactively play a key role in Customer assessments, proactively identifies Customer solutions and lead-focused outbound sales activitiesEvaluates issues, errors and problems based on practices and existing precedents or proceduresExplains detailed and/or complicated information within the teamBuilds working relationships with customers and related teams Requires full proficiency gained through job related training to perform a range of activitiesParticipates in Customer outreach, servicing and advice activities to deliver on our unexpectedly human promiseEngages in conversations with customers about loan products, facilitates the application intakeMust maintain an active registration status with NMLS (Nationwide Mortgage Licensing System and Registry)

Education & Experience:

HS Diploma or GED1+ years related experience requiredTeller experience (Preferred)Cross trained to take customer transactionsSuperior Customer Service skillsStrong organization skills to handle multiple tasks in a fast-paced environmentExcellent communication skills with ability to be concise, clear and consistentDemonstrated ability to schedule and prioritize workDemonstrated ability to work independently and within deadlinesSound judgment in decision making and effective problem solvingProficient in Microsoft OfficeNotary License (Preferred)

Customer Accountabilities:

Delivers Legendary Experience by helping Customers, building relationships, delivering service and advice to TD CustomersUnderstands 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 & recommendationsServes 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 referralUtilizes 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 proceduresConsiders 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 capabilitiesUnderstands and applies operating policies and proceduresSupports the timely and accurate completion of business processes and proceduresEscalates non-standard or high risk transactions/activities as necessaryEnsures documentation that is prepared/completed is accurate and properly reflects client/business intentions and is consistent with relevant rules/regulationsEnsures 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 locationExecutes with excellence by adhering to all risk and control policies/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 interestSupports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unitParticipates in personal performance management and development activitiesKeeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activitiesContributes to a fair, positive and equitable environment that supports a diverse workforceActs 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 performanceEstablishes relationships with partner bankers to make effective referrals to themContributes to a positive work environment by aligning to TD Model, Brand and Culture by participating fully as a member of the teamCollaborates with team members in contributing to the success of the team and organizationActively seeks opportunities to improve delivery of work with high attention to quality standardsActively takes ownership of own career and aspirations. Seeks out diverse feedback to continuously develop and enhance skillsPositively embraces changeAdheres and participates in TD's Shared Commitments and code of conduct expectationsEngaged in advancing and sustaining a unique, inclusive culture that reflects TDs diversity agenda, and creates an extraordinary employee experience

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 1007Must 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 1026.36Must 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 1007Satisfactory 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 – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – FrequentStanding – FrequentWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – OccasionalCrawling – NeverClimbing – NeverReaching overhead – OccasionalReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, 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 Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

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.