M&T Bank
FinancialAdvisor
“Financial Advisor at M&T Bank. Skills: Financial advice, Investment solutions, Insurance solutions, Client needs analysis, Sales. Serve as an advisor to 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.; Increase assets under management.; Attraction, retention, and expansion of client relationships.
Industry & Context.
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, Combined minimum of 6 years’ higher education and/or work experience
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.
Serve as an advisor to 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.
Work with Investment Advisors
Wealth/WISD and Mortgage to deliver advice-based solutions.
Prepare recommendations for customized financial solutions to current and potential Bank customers and their portfolios.
Profile customers and deliver recommendations to ensure needs are met.
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.
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.
How You'll Work.
Team & Collaboration
Works with Investment Advisors, Fiduciary Advisors, Community partners, Wealth/WISD and Mortgage.; Leverage partnerships in Retail, Business Banking and Wealth.; Work with Retail, Business Banking, Community Bank and Wealth through ongoing account reviews.; Critical partnerships include the wealth team, the commercial lending team as well as centers of influence and existing clients.
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