Senior Relationship Banker - Arcade Branch

M&T Bank•Arcade, NY

16d•$23 - $38•Onsite

About The Position

The Senior Relationship Banker identifies customer needs through the bank’s retail sales process and provides proactive sales solutions 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 appropriate bank areas to resolve customer needs and service issues promptly, accurately, and completely. It also requires staying current on operational, product, and system changes and making sound risk-management decisions to help prevent losses and reduce fraud. The role serves customers with more complex business needs and requires a sophisticated understanding of transactional, savings, retirement, and protection needs. The position develops and expands customer relationships, supports sales and referral goals, evaluates financing requests, and collaborates with business partners on product solutions. It also performs risk, compliance, and operational-control responsibilities and must meet and maintain Federal SAFE Act registration requirements.

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 equivalent (GED) and at least 2 years 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.
Proficiency with internet user-level technology.
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.
Ability to meet and maintain registration requirements under the Federal SAFE Act.

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 to achieve personal sales and referral goals.
Support relationship management through 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 interaction, and follow-up.
Support risk management through audit requirements, fraud prevention, Know Your Customer (KYC), and customer information profile (CIP) procedures.
Follow up with clients after prior interactions 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 resources such as Vertical IQ.
Explain processes, services, and products, including interest expense, amortization schedules, consumer debt scenarios, Mortgage/HELOC, Business Banking, Treasury Management, and Merchant Services products.
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 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 banking relationships using a consultative sales approach.
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 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 and enhancements, and make sound risk-management decisions to help manage preventable losses and reduce fraudulent activity.
Work with appropriate bank areas to resolve customer needs and service issues in a timely, accurate, and complete manner.