Bilingual Senior Relationship Banker

M&T Bank•North Bergen, NJ

20d•$28 - $46•Onsite

About The Position

The Bilingual Senior Relationship Banker identifies customer needs through the bank’s retail sales process and provides proactive sales solutions for basic and complex customer needs. The role specializes in branch customer experience across retail and business sales interactions and serves as a key driver of business growth through proactive identification of sales opportunities and portfolio management. The position works with appropriate bank areas to resolve customer needs and service issues accurately and promptly, stays current on operational, product, and system changes, and applies sound risk-management decisions to help limit preventable losses and fraud. It requires a sophisticated understanding of transactional, savings, retirement, and protection needs, including work with more complex business customers. The role develops new customer relationships and expands and retains existing ones through portfolio management, customer assessments, sales profiling, account opening, outbound calling, appointments, and follow-up. It supports risk management and compliance, evaluates financing requests and recommends loan structures, explains banking products and processes, and builds referral relationships within the community and across bank business partners. Some branches may require outbound prospecting to develop new business banking relationships. The position is based in North Bergen, New Jersey. The stated pay range is $27.59–$45.98 per hour. Candidates must be able to communicate fluently, verbally and in writing, with bank customers in English and the specified second language; proficiency is assessed.

Requirements

High school diploma or GED and at least 3 years of proven retail sales, call center, customer service, and/or telesales experience; alternatively, a high school diploma or GED and at least 2 years of proven proactive sales experience.
Strong verbal communication and interpersonal skills.
Proven ability to provide exceptional customer service.
Strong organization, time management, and prioritization skills.
Demonstrated financial services product knowledge.
Ability to communicate tactfully and diplomatically with internal and external customers.
Proficiency with internet user-level technology.
Fluent verbal and written communication with bank customers in English and the specified second language; proficiency is determined through an assessment.
Ability to stand for long periods, use hands and fingers for prolonged periods, lift objects weighing 5–30 pounds, read fine print, and interact with customers in an open face-to-face work environment.
Ability to use a fax machine, telephone system, copier, and other communication tools.

Nice To Haves

Associate degree.
Notary public license.
At least 3 years of financial services sales experience.
Bilingual ability based on branch needs.

Responsibilities

Develop new customer relationships and expand and retain existing relationships by identifying opportunities through portfolio management and the bank’s sales process, in support of personal sales and referral goals.
Conduct customer assessments and sales profiling, open accounts, make lead-focused outbound calls, plan and conduct outreach and appointments, and follow up on customer interactions.
Support risk management through audit requirements, fraud prevention, Know Your Customer (KYC), and customer information profile (CIP) processes.
Follow up with clients on needs identified during prior appointments or interactions to advance their development plans.
Build knowledge of Business Banking products and services.
Evaluate financing requests, recommend loan structures, and submit complete loan application packages.
Research and provide industry knowledge, including through resources such as Vertical IQ.
Explain processes, services, and products, including interest expense, amortization schedules, consumer debt scenarios, Mortgage/HELOC, Business Banking, Treasury Management (TM), and Merchant Services products.
Attend community networking events and develop relationships with Centers of Influence for referrals.
Liaise with business partners to provide retail product solutions to business owners and build relationships with non-branch partners such as business bankers and mortgage loan originators.
Perform basic sales duties and, in some branches, solicit new business banking relationships through outbound prospecting and consultative sales.
Meet and maintain registration requirements under the Federal SAFE Act.
Follow applicable compliance and operational risk controls in accordance with company and 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 and applicable issues raised by external regulators.
Stay current on operational, product, and system changes and enhancements, and make sound risk-management decisions to help manage preventable losses and reduce fraudulent activity.
Complete other related duties as assigned.