Personal Banker

The Toronto-Dominion Bank (Canada); North Bay; On-site; CAD 45,000 - 65,000; Full time

Job summary

A leading bank in Canada is seeking a personal banker to serve as a subject matter expert for customers, offering advice on personal and business banking products. This role involves engaging with clients through outreach, providing financial reviews, and contributing to a positive branch environment. The ideal candidate will have strong advisory and customer service skills, along with relevant certifications. Join a company dedicated to employee support and client excellence.

Benefits

Health and well-being benefits

Savings and retirement programs

Paid time off

Employee banking benefits and discounts

Career development programs

Qualifications

• 1+ years relevant experience required.
• IFIC or CSC certifications needed.
• CFSA to be completed upon hire.

Responsibilities

• Act as subject matter expert for customers regarding personal and business banking products.
• Provide sound advice to improve customer financial confidence.
• Engage in customer outreach to discuss portfolio updates.

Skills

Customer service

Advisory skills

Risk management

Education

High School Diploma

Post-Secondary or Undergraduate Degree in related field

Job description

• 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 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 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.

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.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

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.