Relationship Banker - Manchester, CT

M&T Bank•Manchester, CT

1d•Onsite

About The Position

The Relationship Banker serves as a key driver of branch business growth by identifying customer needs and providing proactive sales solutions for basic and complex needs. The role develops new customer relationships and expands and retains existing ones through portfolio management, customer outreach, referrals, and the bank’s retail sales process. It handles retail and business sales interactions, supports customer assessments and account opening, and follows up with customers to advance development plans. The position works with more complex business customers, develops knowledge of Business Banking products and services, evaluates financing requests, recommends loan structures, and submits complete loan application packages. It explains financial processes and products, including consumer debt scenarios, mortgages and HELOCs, Business Banking, Treasury Management, and Merchant Services. The banker also builds referral relationships within the community and with bank business partners. The role is responsible for meeting applicable Federal SAFE Act registration requirements and following compliance, operational risk, internal control, and audit standards. It stays current on operational, product, and system changes and supports a welcoming environment consistent with the M&T Bank brand. The position interacts with appropriate bank teams to ensure customer needs and service issues are resolved accurately and promptly.

Requirements

High school diploma or equivalent (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.
Ability to communicate fluently, verbally and in writing, with bank customers in English and the specified second language; proficiency is determined via 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 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.
Work toward personal sales and referral goals and contribute to annual branch sales goals.
Conduct customer assessments, profile customers for sales opportunities, open accounts, and make lead-focused outbound calls.
Carry out the sales process, including profile and pre-call planning, outreach, appointment preparation, customer interactions, and follow-up.
Follow risk-management practices, including audit requirements, fraud prevention, Know Your Customer (KYC), and Customer Information Profile (CIP) requirements.
Follow up with customers after prior interactions to progress identified development plans.
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 financial processes and products, including interest expense, amortization schedules, consumer debt scenarios, mortgages and HELOCs, Business Banking, Treasury Management, and Merchant Services.
Attend community networking events and develop relationships with Centers of Influence for referrals.
Act as a liaison with business partners to provide retail product solutions, including cross-selling retail products to business owners.
Build relationships with non-branch business partners, such as business bankers and mortgage loan originators.
Perform basic sales duties and, where required, solicit new Business Banking relationships through outbound prospecting and consultative sales.
Meet and maintain registration requirements under the Federal SAFE Act.
Adhere to 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 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 demonstrate sound risk-management decisions to help manage preventable losses and reduce fraudulent activity.
Complete other related duties as assigned.