Personal Banker

Work Location:Cobourg, Ontario, Canada

Hours:37.5

Line of Business:Personal & Commercial Banking

Pay Details:

We’re committed to providing fair and equitable compensation to all our colleagues. As a candidate, we encourage you to have an open dialogue with a member of our HR Team and ask compensation related questions, including pay details for this role.

Job Description:

CUSTOMER

Act as a subject matter expert in the branch for both customers and colleagues regarding all products, services, policies, and procedures of TD, especially regarding both personal banking and business banking products/services or policies/procedures

Provide sound advice with every customer interaction, contributing to an exceptional customer experience

Use ability to discover and advise on meeting/exceeding customer needs by asking deeply curious and thoughtful questions

Improve customer financial confidence through ongoing dialogue and by answering questions

Engage in customer outreach (via phone, email, and other means) to discuss portfolio updates and/or additional opportunities which best service the customer's needs

Provide total financial reviews and provide appropriate recommendations based on the customer's personal circumstances

Ensure customer issues are resolved in an accurate and efficient manner, escalating issues where necessary

Possess comprehensive knowledge of the local market, competitive offers, and economic trends to support advice recommendations

Assist with maintaining a professional and inviting space in all common areas of the branch, adhering to premises, marketing, and/or regulatory guidelines, paying attention to the office space in which the personal banker occupies

Support the frontline with transactions, as necessary

May act as a point of escalation and support for the frontline and advice colleagues, ensuring customer problems are handled appropriately, when required

SHAREHOLDER

Contribute to the achievement of business objectives by proactively attracting, acquiring and retaining customers / advice opportunities and referrals, to increase profitability and enable business growth

Promote and offer full suite of products, advice, services and banking capabilities

Contribute to business objectives for Operational Excellence

Support the timely and accurate completion of business processes and procedures

Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary

Ensure documentation that is prepared / completed is accurate and properly reflects customer / business intentions and is consistent with relevant rules / regulations

Identify, suggest and actively participate in process improvement opportunities

Ensure necessary due diligence to support the accuracy of all transactions / activities

Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts

Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite

Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct

EMPLOYEE / TEAM

Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest

Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit; demonstrate ability and commitment towards reaching expert level within role

Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques

Participate in personal performance management and development activities, including cross training within own team

Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities

Contribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.

Contribute to a fair, positive and equitable environment that supports a diverse workforce

Act as a brand champion for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

Requires specialized expertise to provide complex transaction/ product feature advice and guidance to customers

Requires specialized skills and expertise in a range of products, services, concepts and processes and could be characterized by moderate - high complexity / risk

Acts as an advice process/product expert to customers and/or internal partners

Identifies complex problems and formulates the most appropriate solution

Acts as a team lead and/or escalation point for complex issues, coordinating the work of others and providing coaching to maintain service, process and product standards

Uses insights into how the customer or advice team integrates with other teams to coordinate efforts and resources to achieve shared objectives

Has direct impact on the quality of the duties performed, or services provided, to the advice team and the unit supported

Implements advice and customer service procedures and approaches to complete work

Requires tact to exchange ideas and customer information in a concise and logical way; handling of sensitive customer information and resolution of exceptions

Generally requires specific formal certifications at this level of expertise

Generally reports to an Assistant Branch Manager or Branch Manager

EXPERIENCE AND / OR EDUCATION

High School diploma and/or

1+ years relevant experience

IFIC or CSC

CFSA to be completed upon hire

Post-Secondary or Undergraduate degree (in related field) preferred

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.

TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

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 a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. 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

Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement:Ce poste n’exige pas la maîtrise d’une langue autre que le français./ This position does not require proficiency in a language other than French..

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