Senior Relationship Banker - Penfield 441 Branch

M&T Bank•Penfield, NY

7d•Onsite

About The Position

The Senior Relationship Banker serves as a key driver of branch business growth by identifying customer needs and providing proactive sales solutions through customer outreach. The role specializes in the branch customer experience across retail and business sales interactions, with a focus on growing, retaining, and managing customer relationships and achieving annual branch sales goals. The position works with more complex business customers and partners across the bank to resolve customer needs and service issues accurately and promptly. The role requires a sophisticated understanding of transactional, savings, retirement, and protection needs; knowledge of retail and business banking products and services; and sound risk-management judgment. The banker must stay current on operational, product, and system changes and help manage preventable losses and reduce fraudulent activity. The position is responsible for meeting and maintaining registration requirements under the Federal SAFE Act.

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 tactfully and diplomatically 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 machine, telephone system, copier, and other communication tools.
Meet and maintain Federal SAFE Act registration requirements.

Nice To Haves

Associate degree.
Notary public license.
At least 3 years of financial services sales experience.
Bilingual skills, 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.
Achieve personal sales and referral goals through customer assessments, profiling, account opening, lead-focused outbound calling, and follow-up.
Conduct sales-process activities, including profile and pre-call planning, outreach, appointment preparation, customer interactions, and follow-up.
Manage risk through audit requirements, fraud prevention, Know Your Customer (KYC) procedures, and customer information profile (CIP) requirements.
Follow up with clients after appointments or interactions to advance identified customer 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 resources such as Vertical IQ.
Explain banking processes, services, and products, including interest expense, amortization schedules, consumer debt scenarios, mortgages and HELOCs, Business Banking products, Treasury Management (TM), and Merchant Services.
Attend community networking events and build relationships with Centers of Influence to generate referrals.
Serve 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, in some branches, solicit new Business Banking relationships through outbound prospecting and consultative sales.
Follow applicable 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.
Stay current on operational, product, and system changes and enhancements, and make sound risk-management decisions to help reduce preventable losses and fraudulent activity.