M&T Bank
FinancialAdvisor
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Financial Advisor at M&T Bank. Skills: financial advice, investment sales, insurance sales. provide an advice-based approach to financial solutions for an assigned book of business. actively solicit new and existing investments and insurance solutions from mass affluent customer segment”
What You'll Achieve.
Meet or exceed established sales goals for assigned Market; Meet or exceed expectations for activity levels of all products; Ensure investment needs of current and potential customers in assigned Market and/or branches are met or exceeded; Contribute to the attraction, retention, and expansion of client relationships; Protect Bank interests; Assist in managing client complaints and preventable losses
Industry & Context.
individualized needs analysis; risk management decisions
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
actively solicit new and existing investments and insurance solutions from mass affluent customer segment
deliver advice-based solutions and alternative investment and insurance solutions catered to the individualized needs of each customer
prepare recommendations for customized financial solutions to current and potential Bank customers and their portfolios
sell and close these independently
profile customers and deliver recommendations
use sales tools and modules to conduct the analysis and offer the best advice and products
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
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 (Bank Secrecy Act)
AML (Anti-Money Laundering) and KYC (Know Your customer) requirements
address issues of non-compliance by requesting additional information from the client and updating the remediation tool
understand and adhere to the Company’s risk and regulatory standards
identify risk-related issues needing escalation to management
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
deliver individualized needs-based investment and insurance solutions to clients
grow the business through proactive efforts driven first from an individualized analysis of each customer’s needs
stay current on operational
and system changes/enhancements
demonstrate good risk management decisions to assist in managing client complaints and preventable losses
How You'll Work.
Team & Collaboration
Works with Investment Advisors, Fiduciary Advisors, Community partners, Wealth/WISD and Mortgage; leveraging partnerships in Retail, Business Banking and Wealth; Coach and mentor less experienced Financial Advisors, Licensed Bankers and Business Banking staff; 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
Full Job Description
# **Overview:** Serves as an advisor to provide an advice-based approach to financial solutions for an assigned book of business. Actively solicits new and existing investments and insurance solutions from mass affluent customer segment, primarily Retail and Business Banking. Works with Investment Advisors, Fiduciary Advisors, Community partners, Wealth/WISD and Mortgage to deliver advice-based solutions and alternative investment and insurance solutions catered to the individualized needs of each customer and with the client’s best interest in mind. ## **Primary Responsibilities:** * •Based on individualized needs analysis, prepare recommendations for customized financial solutions to current and potential Bank customers and their portfolios, to meet their needs and with their best interests in mind; offer an array of products and services best suited to meet those needs; sell and close these independently. Profile customers and deliver recommendations to ensure these needs are met. Use sales tools and modules to conduct the analysis and offer the best advice and products and customer understanding of solutions in a moderately complex level of suitability within defined standard procedures, regulatory requirements and in support of the best interests of each customer. * •Deliver a diversified set of brokerage, investment and insurance and advice-based solutions with a mindset to meet the individualized investment needs of current and potential Bank customers for the mass affluent segment, utilizing experts in, Carriers, Wholesalers in Insurance and Managed Accounts, as necessary. * •Utilize COIs (Centers of Influence) to offer a diversified set of solutions and full scope of investment products and services to meet the best interest of clients and within regulatory requirements. * •Increase assets under management by offering investment and insurance solutions to clients and leveraging partnerships in Retail, Business Banking and Wealth to increase referrals. * •Pr
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