Relationship Banker - Manchester, CT

M&T Bank•Manchester, CT

2d•$25 - $41•Onsite

About The Position

The Relationship Banker identifies customers’ 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 drives business growth through sales opportunity identification and customer portfolio management. The position works with relevant bank teams to resolve customer needs and service issues in a timely, accurate, and complete manner. It also requires staying current on operational, product, and system changes and applying sound risk management to help prevent losses and reduce fraud. The banker serves more complex business customers and needs a sophisticated understanding of transactional, savings, retirement, and protection needs.

Requirements

High school diploma or equivalent (GED) and at least 3 years of proven retail sales, call center, customer service, and/or telesales experience; or a high school diploma or equivalent (GED) and at least 2 years of proven proactive sales experience.
Strong verbal communication and interpersonal skills.
Proven ability to provide exceptional customer service.
Well-organized, with 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.
Ability to communicate fluently, verbally and in writing, with bank customers in English and the specified second language; proficiency is determined through an assessment.
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.
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, meeting personal sales and referral goals.
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.
Support risk management, including audit requirements, fraud prevention, Know Your Customer (KYC), and customer information profile (CIP) requirements.
Follow up with clients after previous interactions to advance their development plans based on needs identified during appointments or interactions.
Develop 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 Vertical IQ.
Explain processes, services, and products, including interest expense, amortization schedules, consumer debt strategies, Mortgage/HELOC, Business Banking, Treasury Management (TM), and Merchant Services products.
Attend community networking events and build referral relationships with Centers of Influence.
Act as a liaison 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.
In some branches, solicit new Business Banking relationships through outbound prospecting and develop new banking relationships using a consultative sales approach.
Meet and maintain registration requirements under the Federal SAFE Act.
Follow applicable compliance and operational risk controls under 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.