M&T Bank

FinancialAdvisor

$0–0k Binghamton, New York, United States FULL TIME
The Brief

“Financial Advisor at M&T Bank. Skills: Financial advising, Investment sales, Insurance sales. Provide an advice-based approach to financial solutions for an assigned book of business.. Solicit new and existing investments and insurance solutions from mass affluent customer segment.”

Industry & Context.

Problems you'll solve

Demonstrate good risk management decisions to assist in managing client complaints and preventable losses.

What They're Looking For.

Must Have

FINRA Series 7, 63 and 65 or 66 licenses, Pertinent state Life/Variable Insurance (LAH) licenses

Nice to Have

Previous trust/fiduciary product, Financial Planning, Managed Accounts, or insurance experience, CFP (Certified Financial Planner), CLU (Chartered Life Underwriter) and/or ChFC (Chartered Financial Consultant) designation

What You'll Do.

Provide an advice-based approach to financial solutions for an assigned book of business.

Solicit new and existing investments and insurance solutions from mass affluent customer segment.

Prepare recommendations for customized financial solutions to current and potential Bank customers and their portfolios.

Deliver a diversified set of brokerage

investment and insurance and advice-based solutions.

Utilize COIs (Centers of Influence) to offer a diversified set of solutions and full scope of investment products and services.

Increase assets under management by offering investment and insurance solutions to clients and leveraging partnerships.

Provide services by advising the customer on the advantages and disadvantages of different product decisions.

Coach and mentor less experienced Financial Advisors

Licensed Bankers and Business Banking staff.

Meet or exceed established sales goals for assigned Market.

Maintain customer appointment activity log on a weekly basis.

Maintain and build referral channel and develop partnerships.

Community Bank and Wealth through ongoing account reviews and re-evaluation of customer needs.

Deliver a high-quality customer service experience.

Ensure accuracy in completing required paperwork.

Serve as a primary PIC (Supervisor/Person-in-Charge) to lead and manage customer relationships.

Regularly review customer information to ensure compliance with BSA

AML and KYC requirements.

Understand and adhere to the Company’s risk and regulatory standards

Promote an environment that supports belonging and reflects the M&T Bank brand.

Maintain M&T internal control standards.

Complete other related duties as assigned.

How You'll Work.

Team & Collaboration

Works with Investment Advisors, Fiduciary Advisors, Community partners, Wealth/WISD and Mortgage to deliver advice-based solutions.; Leveraging partnerships in Retail, Business Banking and Wealth to increase referrals.; Maintain and build referral channel and develop partnerships with Retail branch, Business Banking and Wealth partners.; Work with Retail, Business Banking, Community Bank and Wealth through ongoing account reviews and re-evaluation of customer needs.; critical partnerships include the wealth team, the commercial lending team as well as centers of influence and existing clients.

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