All of these responsibilities do no not come without stress. Dealing with difficult mortgage processors when you're just trying to get a loan closed, having to fix errors made by other stores, managing a fee refund budget while trying to do what is right for the customer, it's a lot. After a certain point, you are not paid fairly AT ALL. I've been with the company for almost 3 years. I started as a teller and quickly moved up to a Senior CSR. Not to gloat, but I'm possibly one of the most competent employees in the entire region. When it comes to TD Bank, I know everything there is to know. I go far beyond my job responsibilities and have been entrusted with tasks that I've never heard of any other SCSR performing. If you are a competent employee, expect this to be the case as well. Management can get very stressed and sometimes they will lean on their more able bodied employees to pick up some of the slack. This isn't necessarily a bad thing, but considering how little you get paid (14.56 and hour for me), it gets frustrating.
Your store will always be short staffed. Somehow, senior management does not see the need for fully staffing stores. If you are on the platform, expect to have a teller box out every single day. Sometimes, you won't even be able to walk away from the teller line. If you cannot sell loans, don't expect to make your sales goal. They put a lot of emphasis on "WOWing the customer" but eventually, you just get drained. Running back and forth between platform and teller is tiring.
The technology is never working. There is always something wrong. I'm not entire sure the reason for this, but it's true. if a customer were to come to my location right now, they could not get a mortgage because our internal mortgage database has been down for 2 weeks. That is absurd. How are we building the better the bank when we can't even provide a service like a mortgage sale (or foreign currency exchange, for that matter).
Lastly, expect the new employees, who you are training, to be making a considerable amount more than you. My newest employee at my store is making 5 dollars more an hour than me. Year end raises are nothing short of insulting. To put it bluntly, you are more valuable when you leave. Another bank will hire you in a better position for a lot more money.
As I said, this is a great job for someone in college looking to get their foot in door in business or finance. However, you will hit a roadblock, and you will be stuck. I was supposed to receive a promotion to a store supervisor after my store sup was promoted but they decided to "get rid of the position." Thanks a lot.
There are a lot better opportunities than TD. It's a good starting point, and it may even be worth it to come back in the future, but if you're coming back, come back above a regional manager, because they have no idea how to run a business.
