M&T Bank
FinancialAdvisor-Centralized
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Financial Advisor-Centralized at M&T Bank. Skills: financial advice, sales, customer relationship management. prepare recommendations for customized financial solutions to current and potential Bank customers and their portfolios. sell and close these independently”
What You'll Achieve.
Meet or exceed established sales goals for assigned portfolio; increase referrals; attraction, retention and expansion of client relationships
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.
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 for assigned portfolio
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
policies and controls
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, Financial Advisors, Community partners, Wealth/WISD and Mortgage to deliver advice-based solutions; leveraging partnerships in Retail, Business Banking and Wealth to increase referrals; 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
Full Job Description
# ****Overview:**** Serves as an advisor to provide an advice-based approach to financial solutions for an assigned book of business in a centralized area comprised of smaller, less complex accounts. Solicits new and existing investments and insurance solutions from mass affluent customer segment, primarily Retail and Business Banking. Works with Investment Advisors, Financial 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. * Accounts are within a centralized function comprised of generally smaller and less complex accounts. 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 of a smaller, less complex nature, 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 req
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