Relationship Banker

M&T Bank•Kennebunkport, ME

6d•Onsite

About The Position

The Relationship Banker is the branch focal point for sales, service, and referral opportunities in support of branch goals and activity requirements. The role manages customer flow, serves existing customers, and grows the business by identifying sales opportunities. It specializes in the branch customer experience for retail and business customers through lobby management, servicing, and sales interactions. The Relationship Banker stays current on operational, product, and system changes and applies sound risk-management decisions to help prevent losses and reduce fraudulent activity. The role is responsible for meeting and maintaining registration requirements under the Federal SAFE Act.

Requirements

High school diploma or equivalent (GED).
At least 2 years of proven retail sales, call center, customer service, and/or telesales experience, or at least 1 year of proven proactive sales experience.
Strong verbal communication and interpersonal skills.
Proven ability to demonstrate exceptional customer service.
Well-organized, 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.
Ability to meet and maintain Federal SAFE Act registration requirements.
Ability to stand for long periods of time.
Prolonged use of hands and fingers.
Ability to lift objects weighing 5 to 30 pounds.
Ability to read fine print.
Ability to interact with customers in an open, face-to-face work environment.
Ability to use a fax, telephone system, copier, and other communication tools.

Nice To Haves

Associate degree.
Notary public license.
Bilingual ability, based on branch needs.

Responsibilities

Identify customers’ needs through the bank’s retail sales process and provide proactive basic sales solutions or refer complex needs to the appropriate team member or partner.
Support relationship management through customer assessments, sales-opportunity profiling, account opening, and lead-focused outbound calling.
Carry out the sales process, including profile and pre-call planning, outreach, appointment preparation, customer interactions, and follow-up.
Apply risk-management practices, including audit requirements, fraud prevention, Know Your Customer (KYC), and Customer Information Profile (CIP) requirements.
Research customer profiles to identify ways to add value to banking relationships and begin needs-based discussions about financial goals.
Identify customers’ financial needs and present appropriate product and service options in cooperation with internal business partners.
Reach out to clients by email or phone to follow up and explain value-added products and services that address their needs.
Onboard new customers through outreach, regardless of the channel or who opened the account.
Build trust with existing clients through regular proactive outreach.
Schedule preset appointments for the following week and hold appointments each week.
Prepare for scheduled appointments and sales interactions using a pre-call plan.
Perform customer-servicing interactions.
Comply with applicable compliance and operational-risk controls and 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 and applicable issues raised by external regulators.
Complete other related duties as assigned.
Meet and maintain Federal SAFE Act registration requirements.
Stay current on operational, product, and system changes or enhancements, and make sound risk-management decisions to help prevent losses and reduce fraudulent activity.