Senior Relationship Banker
About The Position
The Senior Relationship Banker identifies customers’ 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 proactive identification of sales opportunities and portfolio management. The banker works with appropriate areas of the bank to resolve customer needs and service issues promptly, accurately, and completely. The position requires maintaining current knowledge of operational, product, and system changes, and making sound risk-management decisions to help the branch manage preventable losses and reduce fraudulent activity. It serves customers with more complex business needs and requires 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 demonstrate 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 meet and maintain Federal SAFE Act registration requirements.
- Ability to stand for long periods.
- 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, depending 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, in support of 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 through audit requirements, fraud prevention, Know Your Customer (KYC), and Customer Information Program (CIP) activities.
- Follow up with clients after prior interactions or appointments to advance 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, such as Vertical IQ information.
- Explain processes, services, and products, including interest expense, amortization schedules, consumer debt scenarios, Mortgage/HELOC, Business Banking products, Treasury Management (TM), and Merchant Services products.
- Attend community networking events.
- Develop relationships with Centers of Influence to generate referral opportunities.
- Liaise with business partners on retail product solutions, including cross-selling retail products 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 calls and develop new banking relationships using a consultative sales approach.
- 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 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 registration requirements under the Federal SAFE Act.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
High school or GED
