Senior Relationship Banker
Company: M&T Bank
Posted on: January 16, 2022
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
- 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
- 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
- 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 sales duties.
- May be required to solicit new business banking relationships
through outbound prospecting calling activities and develop new
banking relationships through a consultative sales approach in some
- Adhere to applicable compliance/operational risk controls in
accordance with Company or regulatory standards and policies.
- Promote an environment that supports diversity 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. Scope of
Responsibilities:The focus of this position is to 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. The position
interacts with appropriate areas of the bank to ensure customer
needs and service issues are resolved timely, accurately and
completely. The position must stay current on operational, product,
and system changes/enhancements, as well as demonstrate good risk
management decisions to assist the branch in managing preventable
losses and reduce fraudulent activity. Must have sophisticated
understanding of each 4 types of need, transactional, savings,
retirement and protection (why, why and how). Works with more
complex business customers. Education and Experience Required:High
school diploma or equivalent (GED) and a minimum of 3 years proven
retail sales, call center, customer service and/or telesales
experience -ORA -high school diploma -or equivalent (GED) and
minimum of 2 years proven proactive sales experience. Strong verbal
communication and interpersonal skillsProven ability to demonstrate
exceptional customer serviceWell organized individual with time
management and prioritization skillsDemonstrated financial services
product knowledgeAbility to communicate with tact and diplomacy
with internal and external customersProficient with internet
user-level technology Education and Experience Preferred:Associates
degreeNotary public licenseMinimum of 3 years financial services
sales experienceBi-lingual based on branch needs Physical
Requirements:Ability to stand for long periods of timeProlonged use
of hands and fingersAbility to lift light to heavy objects weighing
5lbs to 30lbsAbility to read fine printAbility to interact with
customers in an open face-to-face work environmentAbility to use
fax, telephone system, copier and other communication
toolsLocationOssining, New York, United States of America
Keywords: M&T Bank, Yonkers , Senior Relationship Banker, Other , Ossining, New York
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