M&T Bank
SeniorRelationshipBanker
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optimal for Mid candidates.
“Senior Relationship Banker at M&T Bank. Skills: sales, relationship management, customer needs identification, financial services product knowledge. Develop new customer relationships and expand and retain existing relationships. proactively identifying opportunities leveraging the portfolio management process and utilizing the fundamentals of the Bank's sales process to achieve personal sales and/or referral goals”
What You'll Achieve.
achieve personal sales and/or referral goals; support achievement of annual branch sales goals
Industry & Context.
customer needs identification; resolve customer needs and service issues
Ability to stand for long periods of time, Prolonged use of hands and fingers, Ability to lift light to heavy objects weighing 5lbs to 30lbs, Ability to read fine print, Ability to interact with customers in an open face-to-face work environment, Ability to use fax, telephone system, copier and other communication tools
What They're Looking For.
Must Have
minimum of 3 years proven retail sales, call center, customer service and/or telesales experience OR A high school diploma or equivalent (GED) and minimum of 2 years proven proactive sales experience, verbal communication and interpersonal skills, Proven ability to demonstrate exceptional customer service, Well organized individual with time management and prioritization skills, Demonstrated financial services product knowledge, Ability to communicate with tact and diplomacy with internal and external customers, Proficient with internet user-level technology, meeting and maintaining registration requirements under the Federal SAFE Act
Nice to Have
Associates degree, Notary public license, Minimum of 3 years financial services sales experience, Bi-lingual based on branch needs
What You'll Do.
Develop new customer relationships and expand and retain existing relationships
proactively identifying opportunities leveraging the portfolio management process and utilizing the fundamentals of the Bank's sales process to achieve personal sales and/or referral goals
Play key role in Relationship Management (customer assessments
profiling for sales opportunities
account opening and lead-focused outbound calling)
Sales Process (profile/pre-call planning
appointment preparation
interaction/appointment
follow-up) and Risk Management (audit requirements
Know Your Customer (KYC) and customer information profile (CIP))
Reach out to clients to follow up from previous interactions based on need identified during an appointment/interaction to progress development plan
Develop understanding and knowledge of products and services offered by Business Banking
Evaluate financing requests
recommend loan structure
and submit complete loan application packages
Research and provide industry knowledge
Fluently explain processes
Attend community networking events
Develop relationships with Centers of Influence for referral opportunities
Act as liaison with business partners for retail product solutions
Build relationships with non-branch business partners
Perform basic sales duties
solicit new business banking relationships through outbound prospecting calling activities and develop new banking relationships through a consultative sales approach in some branches
Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies
Promote an environment that supports belonging and reflects the M&T Bank brand
Maintain M&T internal control standards
including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable
Complete other related duties as assigned
Responsible for meeting and maintaining registration requirements under the Federal SAFE Act
serve as key driver in growing the business through proactive identification of sales opportunities and portfolio management with customers to support achievement of annual branch sales goals
stay current on operational
and system changes/enhancements
demonstrate good risk management decisions to assist the branch in managing preventable losses and reduce fraudulent activity
How You'll Work.
Team & Collaboration
Act as liaison with business partners for retail product solutions; Build relationships with non-branch business partners (e.g. business bankers, mortgage loan originators); interacts with appropriate areas of the bank to ensure customer needs and service issues are resolved timely, accurately and completely
Communication Scope
verbal communication; interpersonal skills; Ability to communicate with tact and diplomacy
Full Job Description
# **Overview****:** Identifies customers' needs through the bank’s retail sales process to provide proactive sales solutions through customer outreach for basic and complex customer needs. Specializes in our branch customer experience through all retail and business sales interactions. ## Primary Responsibilities: * Develop new customer relationships and expand and retain existing relationships by proactively identifying opportunities leveraging the portfolio management process and utilizing the fundamentals of the Bank's sales process to achieve personal sales and/or referral goals. * Play key role in Relationship Management (customer assessments, profiling for sales opportunities, account opening and lead-focused outbound calling), Sales Process (profile/pre-call planning, outreach, appointment preparation, interaction/appointment, follow-up) and Risk Management (audit requirements, fraud prevention, Know Your Customer (KYC) and customer information profile (CIP)). * Reach out to clients to follow up from previous interactions based on need identified during an appointment/interaction to progress development plan. * Develop understanding and knowledge of products and services offered by Business Banking. * Evaluate financing requests, recommend loan structure, and submit complete loan application packages. * Research and provide industry knowledge (e.g. vertical IQ). * Fluently explain processes, services, and products (e.g. interest expense, amortization schedules, how to optimize/educate all types of consumer debt scenarios, Mortgage/HELOC, Business Banking products, TM and Merchant Services products) * Attend community networking events. * Develop relationships with Centers of Influence for referral opportunities * Act as liaison with business partners for retail product solutions (i.e. cross-selling retail products to business owners). Build relationships with non-branch business partners (e.g. business bankers, mortgage loan originators). * Perform basic sale
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