Bilingual Senior Relationship Banker

M&T Bank • North Bergen, NJ

19d • Onsite

About The Position

The Senior Relationship Banker identifies customer needs through the bank’s retail sales process and provides proactive sales solutions through customer outreach for basic and complex needs. The role specializes in the branch customer experience across retail and business sales interactions and is a key driver of business growth through sales opportunity identification and portfolio management. The position works with more complex business customers and partners across the bank to resolve customer needs and service issues accurately and promptly. It requires staying current on operational, product, and system changes and making sound risk management decisions to help prevent losses and fraud. The banker must have a sophisticated understanding of transactional, savings, retirement, and protection needs.

The role may include soliciting new business banking relationships through outbound prospecting in some branches. The employee must meet and maintain registration requirements under the Federal SAFE Act and follow company and regulatory compliance and operational risk controls. The position also promotes an environment that supports belonging and reflects the M&T Bank brand, maintains internal control standards, and performs other related duties as assigned.

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.
• Strong organization, time management, and prioritization skills.
• Demonstrated financial services product knowledge.
• Ability to communicate with tact and diplomacy 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.
• Perform relationship management activities, including customer assessments, sales-opportunity profiling, account opening, and lead-focused outbound calling.
• Carry out sales-process activities, including profile and pre-call planning, outreach, appointment preparation, customer interactions, and follow-up.
• Support risk management requirements, including audit requirements, fraud prevention, Know Your Customer (KYC), and customer information profile (CIP) requirements.
• 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 Vertical IQ.
• Explain processes, services, and products, including interest expense, amortization schedules, consumer debt options, Mortgage/HELOC, Business Banking products, TM, and Merchant Services products.
• Attend community networking events and develop relationships with Centers of Influence to generate referrals.
• Act as a liaison with business partners for 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, in some branches, solicit new business banking relationships through outbound prospecting and a consultative sales approach.
• Meet and maintain registration requirements under the Federal SAFE Act.
• Adhere to 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: High school or GED